> Yeah this is pretty much the reason cops seize money from unbanked people who try to use their life savings to buy something decently expensive.

I think it's going over most people's heads that buying and selling cars on Craigslist isn't like buying a car from a dealer. I could potentially use bankers drafts but many sellers know this is a commonly forged document and the risk isn't acceptable to them. Almost every single company/bank digital payment service is reversible or able to be cancelled (I naively was not aware of this until I was a part of the early bitcoin-otc community and got to witness the myriad of scams people ran once the other medium wasn't actually reversible).