I'm interested in two things: 1. What would happen if ACH was fully guaranteed minus chargebacks instantly? What is that worth? 2. What would it be worth if AC

I'm interested in two things: 1. What would happen if ACH was fully guaranteed minus chargebacks instantly? What is that worth? 2. What would it be worth if ACH was fully guaranteed instantly PERIOD - including chargebacks? What would that be worth?