Yes, I am aware. I just think people here overestimate the reversibility and traceability of the traditional system. If you're a business and you're defrauded/hacked and don't realize within a week (usually even less time), five will get you ten that money's never coming back. It went to a mule who withdrew it as cash or wired it overseas. And there's no Reg E for businesses so your bank isn't going to help either.