I'm always surprised to hear, as a supposed benefit, how easy Bitcoin makes it to move money. I don't want it to be fast, easy or cheap to move my life savings. I want inertia.

Please be careful - wire transfer often do not have an "undo" or even if available it's often too late to use it.

Maybe credit card, but cash, debit, interac, etc don't.

If I etransfer (Canada) someone money and that person up and disappears I am out that money, a bank will do absolutely nothing. You can file a police report but those chances are also basically zero.

Same with cash, if I give someone cash or take cash out and don't store it properly I lose the whole thing.

There isn't really an undo process except credit cards.

There is? What’s the purpose of a court? Even if it was cash and it was illegally stolen

When bitcoin gets covenants, we'll be able to send payments that can be undone for a limited period of time (say, a week).

I'd say that's mostly true for credit card transactions, but I don't of anyone who has gotten scammed and got their money back. Banks either don't care, or can't actually do anything. Scammers know what they are doing.

This is almost always a great benefit for consumers. For some merchants this is an unacceptable risk and because of it they are not able to offer their products at a reasonable price.