> 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.