Atomic transactions are one of several strategies for handling this problem, and not always the right answer.
Starbucks is a good analogy (http://www.eaipatterns.com/ramblings/18_starbucks.html). If Starbucks were transactional, you would have to stand there at with the money on the counter and wait until your drink was finished, then exchange at the exact same time. Even the mental image is ridiculous.
In practice, it makes much more sense to allow the system to enter certain inconsistent states and then remediate them. Out of an ingredient? Refund the money. Can't pay? Pull the drink out of the queue, or just write it off. This can involve some cost, but less cost than than the throughput you'd lose by enforcing consistency.
For your specific example of a goods delivery service, most take-out restaurants fly in the face of these claims: you can pay the driver in cash when they arrive. They are willing to accept the risk that you made your order fraudulently, won't pay, etc. because it's still better for them to have your business.
If you reserved a time-slot or inventory for someone whose credit card is declined, so what? Just un-reserve it. It's not hard to UPDATE a row in a database. The system was in an inconsistent state for 10 seconds. Big whoop. (You might have turned down a legitimate customer, but only if they were consuming the last resource, and if demand is that high, another customer will buy the item.)
Notice that Ticketmater and most airlines will hold your seats (i.e. leave the system in an inconsistent state) for up to 15 minutes while you enter your card details. Hell, Ticketmaster can easily reverse a transaction at any point up until the moment your ticket is scanned at the door. So could an airline, and they often do.
The classic example of account balances isn't necessarily the case either - banks can INSERT records of individual transactions. Since addition is commutative, race conditions are irrelevant. Balances are then calculated nightly offline by playing back the transaction records. I guess that's a form of locking, but even if it weren't, the balance isn't the source of truth - the transactions are, and the balance can be recomputed.
Banks also don't hide the complexities of transaction processing. Your "current balance" is different from your "available balance" and your most recent transactions show as pending anyway.
You don't need transactions as often as you think you do.