I seem to recall it was requested that there be a confirmation step to avoid accidental loss of money or time. I'm getting old and my memory is not what it once was but I do recall something along though lines when the caravan trips were first implemented.
I can understand the thinking behind this, however, the confirmation step itself is what costs me time...a little bit here and there, but quite a bit in the long run. It would be different if I had a lightning fast connection to the server, which I don't.
(Note to the rest who are discussing whether or not to you like the 3 minute wagon ride...please make another thread for that discussion)
With the later updates, NPC dialogue is much faster, thankfully.