"Transaction is irreversible via automated system" and "transaction is irreversible via court order" are two different things. The first is a problem when you h

"Transaction is irreversible via automated system" and "transaction is irreversible via court order" are two different things. The first is a problem when you have merchants that legitimately provided a service (e.g. adult content, buying fungible commodities that themselves can't be clawed back) because customers issue chargebacks against merchants that didn't scam them, e.g. because the spouse disputes a charge for adult content that the person who made the purchase doesn't want to admit to buying. But the second is the thing you need to prevent scams and ransomware.