[crazygringo]

> Not every transaction needs complex fraud detection or being able for the customer do to chargebacks.

Well, not until you get hacked.

We might be happy with instant, no-undo transactions until our device gets hacked and our bank account with many thousands of dollars gets drained, through no fault of our own.

Then suddenly, complex fraud detection and transaction reversals seems like an awfully good idea.

Because the issue here isn't about chargebacks where you genuinely made the transaction but the business failed to deliver, and maybe you lose a couple hundred dollars. The issue here is about when you never authorized transactions at all, and you lose all your savings.