Comment by abdullahkhalids

> I only notice one problematic thing there in your link: Wrong recipient.

There is a trade-off. Many systems do offer the ability to get your money back without the cooperation of the recipient. But those systems are also filled with the scam, where you send someone money, then convince them to send the money back manually, and finally reverse the original transaction.

You can counter this by more policing of these types of scams, but usually the amounts in each individual case are small, so police have very little incentive to do anything about it.