I didn't say it doesn't apply to real money. I said there is a lot more logging so you have a better chance of finding where the money went, catching them, and getting your money back. It isn't perfect, and it does depend on Brazil's courts. It also depends on someone going through a lot of effort, it isn't automatic.
Still, we are now being forced to spend an uncountable amount of time and resources to create a system that can mitigate an issue brought by some technology which was supposed to save us what, 10 seconds of each in-person transaction? It makes no sense.
