What fraud costs? Bitcoin transactions are (basically) irreversible. You either received them or you didn't, and if your policy is to allow refunds to your cu

What fraud costs? Bitcoin transactions are (basically) irreversible. You either received them or you didn't, and if your policy is to allow refunds to your customers (when they report a fraud or for any other reason) then all you have to do is send it back. So, what fraud costs?