3 ms·

I've heard that the process for contesting charges is simple and high-trust.

• perl4ever 7y ago
  Perhaps, perhaps. The issue I have is that once you add the friction in, it prevents errors from being corrected, and that reduces the incentive to prevent them. It's not about whether I can get a problem fixed when I notice it. It's that the number of problems will be higher because on average fewer will be noticed and fixed. Furthermore, whenever the rate of problems seems a little too high, the easy "fix" is to add a little more friction.