[DetroitThrow]

Just curious, what exactly are these laws? Unreversible transactions front loads the burden of verifying inauthentic sales/services onto the consumer or government, doesn't necessarily provide a mechanism for returning a consumer's money when inauthentic merchants do show up, and restricts consumer choice either through having to be more discerning than a credit card user or relying on a government program to oversee merchant authenticity.

I absolutely agree that banks should not be the ones discharged with consumer protection but unreversible payments are not nearly as beneficial for consumers even if insured in some ways by the government.