It is a feature for the people who were paid in cash. Not being stripped away from soemthing you have earned is important. Ask merchants their feelings about ch

It is a feature for the people who were paid in cash. Not being stripped away from soemthing you have earned is important. Ask merchants their feelings about chargebacks. Furthermore nothing prevents you from using an escrow/third party for transactions in crypto that you hope to be able to reverse under a certain time. But obviously you lose some of the main advantages of crypto. It provides this optionality, soon, with the accelerated dispariton of cash money this choice will not exist with fiat money... even less with CBDCs in my estimation.