You could maybe call it a technical issue or an issue of adoption but the fact is that no one is scanning Monero wallet QR codes to buy coffee.
When someone taps, 99% of the time the payment processor is not waiting for the funds. It’s all trust and calculations of acceptable risk (that’s why the tap limit).
Crypto can adopt that approach as well.
Yes, CCs/debit went through a period (as did cheques) where that trust was wildly abused and it’s likely any trust layer on top of crypto would have to go through the same period of abuse, but solutions [c|w]ould be implemented fairly quickly since it’s all tech.
As to your last point: credit card fraud is still rampant and hardly anyone accepts checks outside of contractual b2b transactions. The issues with those technologies are technical in nature. Sending a crypto transaction doesn't allow someone to fraudulently charge your account like those technologies do. Whether chargebacks should even exist in a secure transaction system by default is debatable. I personally don't think that kangaroo court service is worth the fraud + global ~3% fees. Think about all the chargebacks you've made in your life that weren't related to credit cards just being insecure. I'm certain they are not worth 3% of your total spending.
Half the point of a digital cash is that you never need a wire transfer because you can just exchange the digital cash directly. Effectively the same as handing someone an envelope full of physical cash.
The currency exchange step needed to convert that BTC back into real money is probably more annoying than just dealing with a wire transfer. And that is essentially my point. If you send someone USD, they can use that directly to pay for expenses like food or rent. If you send someone BTC, they need to first convert that into a real currency before they can use it. That is what I am referencing when I say "The 'Killer App' for a cryptocurrency would be the ability to use it as a currency".