[nostrebored]

Surely you can see that an adoption of this strategy results in an inefficient allocation of resources...

It doesn't truly benefit you, hurts the merchant, increases prices for everyone.

[aianus]

I would prefer a push based system like Bitcoin where I can assume 100% control and liability at near-zero cost but I know I'm in an extreme minority.

People love zero liability so that's where we are and we all have to pay for it.