Or as an alternative a debit card, that would be instant [bank account for BTC], and you just deposit every day/week/month whatever amount you need for a day.
But we don't need another pump&dump non-innovative crap like FTC, CNC or RYC.
The internet cannot really handle 10 second global consensus creation.
(By blockchain system; Ripple is trying to achieve it but using a different consensus method.)
GeistGeld's 15 second blocks are probably about the fastest that could work, and even they might turn out to be too fast.
For "instant" stuff you can simply use "green addresses" in bitcoin, or off-chain transaction systems.
Green addresses actually seem to be a pretty simple and effective solution.
-MarkM-