0-conf is fine for coffee tea and a pizza or rent.
Booking time critical payments for things like air tickets, hotels, etc
is a nerve-wrecking affair with BCH.
LTC works well.
But in that case the service provider may wait for a confirmation to release the service. If it detects the double expense, the airline ticket or hotel reservation would be cancelled.
It is not an "example". It happens every month. The last event was a day ago - the transaction was not even searchable on Blockchair until after block confirmation. Pure Panic.