Posting this because the summary going around does not say what the paper says, and the difference matters for how people here are using it.
The trade-off is reversibility against privacy and there is no option that gives you both. Card payments are reversible and disclose the most; crypto discloses least and is irreversible, which is precisely why pressure toward it is a warning sign when it comes from a seller rather than a buyer. Escrow only means anything where the escrow agent is independent of both parties, which is rarely the case in practice.
Where I think it is weakest: the population was selected and supported in ways a real cohort is not, so I would read the effect size as a ceiling rather than an expectation.
What would genuinely help is knowing how people are thinking about the trade-off between reversibility and privacy, because you cannot have both. I would rather have one careful answer than five confident ones.
Note on sourcing:
Figures above are from the primary publication rather than the press summary. If a number here disagrees with one you have, post yours and we will work out which of us is reading a secondary source.