> If your money replacement involves dismanteling the little protection we have against money laundering and banking AlQueda (amonst others). I'm going to put you in the "Bad Blockchain" bucket. I am sure you can make a more efficient banking system if you don't do any checks at all. That's not an interesting observation.

Yup. Most crypto maximalists are unknowingly (knowingly?) aligned with terrorists and other criminals looking for anonymity online skirting existing banking rules.

If your money replacement involves dismanteling the little protection we have against money laundering and banking AlQueda (amonst others). I'm going to put you in the "Bad Blockchain" bucket.

I am sure you can make a more efficient banking system if you don't do any checks at all. That's not an interesting observation.

> Firstly, one has to submit strong evidence, call them repeatedly, and wait for many months.

You should get an Amex. (I've had little issue with various Visa/MC issuing banks, though. Quick and easy.)

> Secondly, in the real world, any vendor like Amazon or Ebay or Uber or Lyft will immediately freeze the user's account if a dispute is initiated, barring the user from using the service.

In most cases, shady vendors are a one-off concern. If I'm charging back, I'm probably not buying from them again.

This is provably untrue. I’ve disputed charges on Visa/Mastercard numerous times and had refunds and fraud claims honored every single time with minimal effort.