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Transactions with finality are a bug, not a feature. Reversing a transaction (under certain circumstances) is enshrined in the almost the entire history of US common law and is protected in federal statutes.

A money transfer system that prohibits reversals doesn't reflect what money needs to do.

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Wait, how so? Didn't most transactions take place in cash for most of history? Cash isn't reversible.

Cash is reversible in a way that you find person that you exhanged goods and services with and they give you your money back, whether voluntarily or forced by court order.

So no different from the previous Zelle model

It's quite interesting that cash escapes such criticisms by virtue of simply not being a "system". Perhaps crypto will win this space after all.

Cash transactions are also reversible if there is evidence they happened and a desire to take it to court.

By this logic Zelle and crypto are also reversible

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