There are a couple of things that should be pointed out: > * "Irreversible transactions are a feature." I can choose to use a reversible transaction or a thir

There are a couple of things that should be pointed out: > * "Irreversible transactions are a feature." I can choose to use a reversible transaction or a third party escrow (non-custodial and can require multiple escrow parties) if I want that safety net. This can be done easily, even on a simple chain like Bitcoin. > * "We don't need banks anymore." Off-chain doesn’t imply custodial risk. Using a ZKRollup chain, the layer 2 network facilitates transactions but is unable to steal my money by altering my balance without a valid signed transaction or refusing to allow me to withdraw my funds. Certainly using a custodial off-chain approach is the same as using a bank/exchange, but that isn’t a requirement.