I want my transactions to have permissions. That's a feature of the system. What happens if someone fraudulent spent my crypto?

No fees on any credit cards I keep, except 1 which was waived this year when i called to change it to a free card.

So they do charge fees (for you and the seller, also a user). Sounds like a problem with the company you require permission from.

If irreversible transactions worry you, use an intermediary; the way you already use credit instead of cash (which requires no permissions).

Any single currency?