This sort of thing is why I still use cash as much as possible. That way you have an atomic transfer. I get food, you get money. It could easily work with card, just pay on arrival and show the driver the payment confirmation. But that would mean Uber taking a small risk of fraud (e.g. people ordering food they didn't want before their account gets banned). So it won't happen unless people force it. It's the sort of…
That is funny because I always use credit cards because I want to protect myself… if I give you cash for something and then you fail to give it to me, I have no way of getting my cash back. If I use a credit card, my bank can get it back for me.
You can literally stand at the door, check that the food is there, done.
The worst case is that the restaurant scams you and it's not good food. This happens far far less than the middleman scams or pseudo-scams like oversubscribing delivery drivers so that everything is cold or late.