[mantap]

Okay but say I receive money from you, I send you goods or services, then you fraudulently claim to the bank that the transfer was erroneous. The law is as it is because arbitrating disputes between customers is correctly a matter for the courts not for banks. In normal circumstances the recipient would return the money and not try to steal it. The entire problem here is because the recipient fraudulently disputed the return of the money.

The better resolution is to make sure such errors don't happen in the first place.