A "time delay safe" function in the app could accomplish the same thing. I'd certainly want to take 30 minutes to think about it (or login and unlock large transfers 30 minutes ahead of time) if I was going to spend more than a couple hundred dollars.

Right now, muggers can't take $1000 out of my wallet because I don't have $1000 in my wallet. They cannot force me to use an ATM to empty my bank account because my ATM daily limits are set to $500/day.

But, in theory, they could empty it if I was on Cashapp.

Cashapp, like so many tech startups rushing to replace incumbent taxi and hotel and other services with phone apps, has missed Chesterton's fence on this state of affairs in its hurry to become the key part of "providing everyone with access to important financial services so they can fully participate in the economy."