Actually, let’s compare real cost and duration.

Cost of item: $100

SEPA: $100.00 (<15 seconds, irreversible)

GiroCard: $100.13 (< 5 seconds, medium to reverse)

Bitcoin: $100.57 (< 20 min, irreversible)

Bitcoin (SegWit): $100.41 (< 20min, irreversible)

MasterCard/VISA: $102.50 (< 30 days, easy to reverse)