irreversibility is mostly a negative for anyone who is interested in getting a scam/fraudulent charge taken back. What happens when you purchase an item from some web shop with ETH and it never arrives?
Insurance and dispute resolution are separate jobs from the job of the money itself.
But if you layer those on top of the money does not the whole stack loose the purported benefits of crypto-currency? What I mean is if you have intermediaries to handle Insurance and dispute resolution (which are needed since people want that) do you still get any anonymization or irreversibility benefits from crypto-currency?
What's the point of crypto-currency if we need to add layers on top of it that remove all the benefits?
No.
I don't even know where to begin with unpacking all the invalid assumptions you just made.
The job of the money is just to be a counting system. It's just a variable that holds a value. What you do with that value is whatever you want.
You want to make some transaction be tentative and have recourse and strings? You can arrange for that an infinite number of ways besides processing through Visa in exactly the same way Visa does it this moment.
And of course you don't always want recourse. Eventually you want a transaction to be done and irrevokable.
(The person who bought the business, and knew all the details as we provided all the exact numbers from our e-commerce system and bank, actually burnt out and killed the business at great loss to himself when he saw how many people are actually down right thieves)
I would rather let businesses decide whether to choose payment options that allow chargebacks or not, and then customers can choose which businesses to support. The method of payment becomes one factor in shopping decisions. Businesses that eliminate chargeback risk are ultimately more competitive and can pass savings onto consumers. The whole chargeback thing is a ridiculous byproduct of our antiquated payment rails.
There are plenty of fly-by-night operations that will smash and grab as many transactions as they can and not care about their reputations because they'll just set up under another alias.
Further, if your account/wallet gets compromised there is also no irreversibility. Whereas with the 'regular' banking system transactions can usually get reversed.
From a company's point of view almost every individual consumer looks like a potential fly-by-nighter, so companies are forced to accept that risk, and we all share the costs of that. It could be useful to offer an alternative to this paradigm.
You're telling people to "just" be rational. Or to not be susceptible to slick marketing gimmicks, or to not be bamboozled by a fast-talking salesman.