As a consumer, I cannot afford to wait for 10 minutes, or potentially longer. It just seems absurd to have to wait 10 minutes (or sometimes more) for a cup of coffee for my morning commute. That is assuming there isn't any network congestion that would result in a far longer wait.
The reality is, the whole payment process was never designed for the merchants to get their money as fast as possible. It has always been to get the cup of coffee from the barista to the consumer as fast as possible. Agreed on the point about the reversibility but in reality, the risk is something that any merchant would be able to stomach without much difficulty. At least for where I live, each of the claims are to be filed with a police report where investigations would reveal either the person that is paying for the transaction is in fact the owner of the card. Not to mention that fraud is highly illegal and having something that ties the identity to you makes this a difficult task to justify for the profit.
The argument on reversibility would only be valid, if you assume that consumers won't be turned off by any delay during the payment process, which could very well result in consumers either opting for other payment methods or other stores entirely.
Non-RBF transactions are not ideal for users, or you'll end up waiting hours for a cup of coffee. The problem with this is that it is so trivial to RBF a transaction that can be RBF'ed and there is no concrete proof that the customer did it; your local police probably wouldn't care about some signed raw transaction.
You sound like a credit card naysayers from 45 years ago.
If I told you in the future credit cards will be used to buy coffee, you would have called me insane. Who's going to show an ID to buy a cup of coffee, sign a triplicate carbon copy of the transaction, and get charged 10% on all transactions? You?
First you would do well to think of the internet as it's own sovereign country. While every other country has it's own central bank and currency, now the internet has it's own central bank and currency.
You tell me my internet currency is not well suited to buy a cup of coffee in your country? Well, your country fiat is not well suited to buy a cup of coffee in my country either.
When you are in your own country, if you have a stable currency, use that. And use my country's currency when you are in mine. And soon you will be able to use Bitcoin in it's native country too: the internet.
And in you still insist on using a foreign currency (BTC) in your country to buy a cup of coffee, don't be an ass and use LN. No waiting 10 minutes, no paying $1 of miner fee.