As kind of an outsider to a lot of things payment and crypto, just a normal consumer, I feel like this is a scenario where you don't know you're an edge case until it's too late.

"A few edge cases" including the fact that a sizeable chunk of the population will go through extremely convoluted means to steal from you, especially in the case of non-reversible, immediate, and guaranteed transactions?

Similarly, outside of a few edge cases, it is a lot easier and cheaper to build a house with no fire protection whatsoever.

Brakes just make the car go slower or even stop, but the entire purpose of a car is to go and go fast.