You can't compare Bitcoin transactions to Paypal or credit card transactions. More analogous would be a Bitcoin transaction vs. dollars sent by mail.
Paypal and credit cards are just transactional layers on top a currency, they only represent the underlying currency. The actual exchange of the currency can take an arbitrary length of time (if it even happens at all).
Nothing precludes Bitcoin from having the same services built on top of it. When the time comes for Bitcoin to have truly instant transactions, the market will create this necessary layer.
Paypal and credit cards are just transactional layers on top a currency, they only represent the underlying currency. The actual exchange of the currency can take an arbitrary length of time (if it even happens at all).
Nothing precludes Bitcoin from having the same services built on top of it. When the time comes for Bitcoin to have truly instant transactions, the market will create this necessary layer.