That and rewards are the main value-add of a traditional payment flow at the moment.
You could theoretically design a hardware wallet (like a credit card) to only sign transactions three days into the future. That would give you three days to 'charge back' anything you don't like.
Not sure merchants would be happy to accept that though...
Future (possibly reversible) payments don't really give the merchant the same risk cap that a credit card authorization does.
You can build more complex schemes where the third party can't just keep the money for themselves too.
From what I can find around current crypto "credit cards", it seems they are in reality just debit cards.
[0] Not money, but Visa - though this was ambiguous as written
The goal of a currency system is to provide a tool that makes buying and selling easy, trustworthy, and efficient. Being able to get money back after a failed transaction punishes bad actors and improves the trust factor for buyers.
The ability to build it into the base layer of the currency is an interesting breakthrough. We say "cash or gold is not reversible", but it's less because it's a desirable feature, and more that there's no way to implement it.
The thing I'd be interested in would be if the right model is "reactive" reversal of disputed transactions, or some sort of "proactive" escrow model-- paying people with money that doesn't activate until the customer has confirmed they got the promised goods/services, or at least until a window for refund has passed.
There are no chargebacks for cash, for example, yet it underpins the Visa/MC network.