There are scaling solutions like lightning network being built and the blocks are not full. Also for a cup of coffee you don't need so much security so go use litecoin or something, why not.
Any major credit card provider in the US provides this with no hassle. I've had people steal my number with 4 different credit card providers and the only thing I've had to do is call them and identify the bad charges. The only inconvenience is the 3 minute phone call and waiting a week for a new card.