With great power comes great responsibility. Non-reversible transactions are dangerous in the sense that you can't reverse them, but that's the case with cash (

With great power comes great responsibility. Non-reversible transactions are dangerous in the sense that you can't reverse them, but that's the case with cash (not to mention handing over physical goods). But it cuts both ways: it means if somebody pays you what they owe you, there's no way for them to claw it back later. tl;dr Want a permanent transaction? Use cash or Zelle. Want the ability to reverse a transaction or dispute a charge? Use a check or credit card.