Reversible payments are not a good thing. When a merchant receives payment for a product that cannot be considered final the price of the product will need to be higher. Every buyer will pay this higher price to accommodate the few buyers whose payments will be reversed.
Then there are the fees charged by the middlemen. These third-parties to the transaction add no value but when used must be paid for.
An optional escrow service could be used when transacting with a non-trusted buyer/seller.
BTC ETH LTC XMR ZEC XLM ADA BCH
The above currencies are all vastly superior to the corrupt government fiat system. Look at the example above, from Google Pay; instantly reversible for up to two years. In order to avoid this ridiculous requests are necessary. Just use cryptocurrency rather the worthless slave money issued by corrupt governments. Fiat harms humanity by war and waste. If you don't spend your dollar or pound or euro today, it will be worth less in the future - much less. If you don't spend your satoshis today in the they will be worth more (or the same) so do not encourage spending and waste. All fiat currency eventually returns to its intrinsic value - zero. Voltaire.
