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The reason why 4 seconds need for reliable transaction submission

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It's the time the consensus needs to determine all transactions that are included in this ledger. (and added to the XRPL) When the ledger is closed, all transactions are final. 3-4 seconds is already fast compared to other crypto, but I guess it can be faster.

there are some websites that show the average ledger closing times, so you can monitor them there.

If a transaction is in a queue, it can take a few ledgers before it is included. That's what the lastledgersequence is for. If a transaction is not included, and the lastledgersequence has passed, it will never be included, and must be resubmitted. 

Does that help?

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