You can centralize on top of BTC if you want that. Nothing is stopping you from offering a chargeback solution on the blockchain network (though this is much mo

You can centralize on top of BTC if you want that. Nothing is stopping you from offering a chargeback solution on the blockchain network (though this is much more likely to exist on top of Ethereum's network). There are no chargebacks for cash, for example, yet it underpins the Visa/MC network.