As user viewer (not channel owner) I have setup YouTube history to be only for max 3 months. Then auto-delete. Today I checked that this setting applies only to users' Video Watch History.One has to manually go https://myactivity.google.com/page?page=youtube_comment_likes to delete Your Likes and Dislikes on YouTube anddelete comments at...
This has nothing to do with instant payment. Lets say $1000 is lost from your checking account due to fraud then is it covered by visa or mastercard? consumer protection there is different.
With SEPA or UPI it is irreversible but it is the same like you ACH transfer. If you do a mistake then it is irreversible.
Some people here talk about Amex, VISA or mastercard giving free damage insurance on purchase of consumer items like phone etc. That is not consumer protection. That is more like one gets this free insurance for paying yearly fees or maintaining account.
Another reason for fraud is the use of magnetic stripe based card readers.
Whereas your google email is known to many. What happens if some one photoshops a ID and says it is you?
Further more how should the ID prove I am the owner for john.doe@gmail?