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Comment by chpatrick

3 hours ago

If I get sent a fake (or no) product by someone halfway around the world there's absolutely no way I'm getting my money back in small claims court.

Then use a service that offers escrow. I don't need my groceries to use insurance for the eventuality that the store goes belly-up in the 2 days until I can check that the products arrived in good order

Base payment products should just do payment at operating margins rivaling a non-profit. It's public infrastructure

  • I'm quite happy with the status quo that I don't need to negotiate escrow with every random online service or store.