I would argue that a system claiming to have recourse that doesn't actually work (taking this article for its word), is slightly worse than a system without rec

I would argue that a system claiming to have recourse that doesn't actually work (taking this article for its word), is slightly worse than a system without recourse that explicitly states there is not recourse. People will be much more reckless and thus likely to be victims of fraud if they are told fraud is reversible.