It's not about being undecided, rather reverting mistakes. Scheduling a transfer would obviously work too. The current way banks process non-instant SEPA trans

It's not about being undecided, rather reverting mistakes. Scheduling a transfer would obviously work too. The current way banks process non-instant SEPA transfers is very predictable and not a problem in some scenarios. SEPA is huge and breaking the old scheme to force everyone to move to SCT inst doesn't seem realistic anyway. Similarly, the UK hasn't stopped using BACS even though the availability of Faster Payments is ubiquitous today.