Sometimes something fails at a purchase: a misunderstanding, failed delivery, fraud, bad quality, and/or many other problems. In my experience, in about one of

Sometimes something fails at a purchase: a misunderstanding, failed delivery, fraud, bad quality, and/or many other problems. In my experience, in about one of three of my online purchases there was some hitch. Therefore we need arbitration and the possibility to roll back the purchase. This doesn't always work well in the traditional finance, granted, but not at all for privacy coin schemes. Without these possibilities people tend to feel that they are doing something risky. They don't trust that they get something of value if they use the privacy coin. They are afraid that they get bamboozled or scammed and have a feeling of powerlessness. This deters people and hurts adoption.