The entire US financial system is built around debits, delayed settlement, and reversible transactions (as contrasted with bearer tokens). If a digital payment method doesn't support chargebacks/reversals, then it's not going to be used by consumers in its raw form. Rather it will have conventions layered on top of it that do support these things - like your bank contacting the receiving bank and saying "this transaction was unauthorized, please send money back". The alternative would be the possibility of logging into your bank account, finding that your accounts had been zeroed out, and having your bank say "too bad, there's nothing we can do". This would be plainly against Regulation E.