> tracking credit card transactions is an every day chore for the government.

In what sense? Credit card companies manage their own fraud mitigation per federal law, which makes it easy for consumers to dispute transactions. If someone gets my crypto wallet PK and withdraws everything, who do I dispute that with? No way to reverse transactions in BTC.

“per federal law” is the sense that I refer to. Federal law includes stopping not only fraud, but political adversaries (ie. Canada), the aforementioned privacy preserving tools, trading activity between consenting parties in the name of investor protections, and various other violations of the force is only justified in response to force rule. It’s interesting how people that normally claim to support privacy will go all patriot act over financial privacy.

Regardless, I’m not sure why it’s relevant to bring up what you like about credit cards. You’re free to use whatever currency you want, we were discussing whether it should be illegal for me to do the same.

Non-reversible transactions are a feature not a bug.

If you want protection against that, get insurance.

Are you two agreeing implicitly, in that insurance IS the point of a credit card company?

For about a 63 cent stamp and a 5 cent security envelope you can send about $8000 or so of effectively untraceable hundred dollar bills with the USPS.

For 5 cents you can send any amount of monero anywhere around the world and have it settle in 25 minutes. The transaction is irreversible and obfuscated - sender, receiver and quantity.

Can you send it to the grocery store you're trying to leave with food sooner than 25 minutes?

That sounds like an implied criticism but I genuinely don't know the answer.

Yeah every transaction has a one-time key you can give them. Settlement in 25 minutes is quicker than the 1–5 days they already deal with.