> Or the fact that in pull based financial systems like the US, someone who got your debit card number when buying a coffee can charge you again in the future, so you need to be eternally vigilant with your statements.

Which is why banks analyze your transaction history, and call you when they observe suspicious patterns of use of your credit card.

And it's full of false positives, false negatives, only works in some conditions, and it's not a service I want to pay for on every single transaction. That's basically a bandage on top of a shitty system.

I'm not so naive to say that one thing is the best, but I'm willing to speak up for trade-offs in these absolutist arguments.

> And it's full of false positives, false negatives, only works in some conditions, and it's not a service I want to pay for on every single transaction. That's basically a bandage on top of a shitty system.

The per-transaction costs of this fraud-prevention are miniscule, the false positives don't affect me (I get a phone call, and I tell them everything's fine), and I have recourse, both procedural, and legal against false negatives.

Just because you sprinkle a bunch of crypto powder on a transaction doesn't mean that all possibility for fraud goes away. The median per-transaction cost in crypto for this sort of thing is zero, while the worst-case cost is 'you lose the entire transaction/all your money'. And that latter one happens far too frequently for me to bank my life on it.

I like the piece of mind that when I send or receive 0.001 BTC, it's final.

You've been steering this towards your crypto=bad hobby horse. But if your point is that you wouldn't "bank your life" on something, we can agree. I wouldn't "bank my life" on anything, like hoping I catch a recurring payment on my debit statement that I 100% canceled.