I have used three payment routes and the only thing that changed with each was how much leverage I had when something went wrong.
What would genuinely help is knowing how people are thinking about the trade-off between reversibility and privacy, because you cannot have both.
Numbers rather than impressions, if you have them.
Taking the question as asked, rather than the general version of it. If two explanations both fit, the useful question is which one predicts something the other does not. That is answerable; arguing about which sounds more plausible is not.
KevinCompounds said:If two explanations both fit, the useful question is which one predicts something the other does not.
No disagreement, though the timescale matters more than the mechanism here. Most of what looks like a difference in kind turns out to be a difference in how long somebody waited.
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View Resultsoliver_london said:I have used three payment routes and the only thing that changed with each was how much leverage I had when something went wrong.
Mine went the same way, slower.
From the other side of the consultation, briefly. Most of what circulates confidently in this community traces back to one summary of one study, and the qualifier was dropped somewhere in the third retelling.
Happy to go further on any of that.