You’re arguing that in this circumstance, the bitcoin seller should produce an ID for the payer that exposes the purchase contents.

Firstly, I am extremely doubtful that this would actually prevent the issue. A wary buyer would not agree to transfer money account to account like this to pay for a cell phone in the first place. Only gullible people would engage in this scam, and I am doubtful that they would question the transaction ID deeply. “Hey what is this bitcoin thing?” “Oh, don’t worry about it. That’s just internal for our tracking purposes. Do you want me to throw in a free phone case too?!”

Secondly, this seems like a massive privacy concern. Is someone purchasing sex toys supposed to use a transaction ID like purpledildo656 and expose what they are buying to the bank?

I’m sympathetic to people who get scammed, but I don’t think your transaction IDs solve this problem. People have been getting scammed like this forever. “Hey, just send the $600 via Western Union and I’ll totally put your phone in the mail for you tomorrow.”

This isn’t an ID anyway. What you are really asking for is to mandate that the contents of the purchase be burned into the transaction from the seller all the way to the buyer through the bank. I think that’s a terrible idea because of privacy concerns, but regardless, it’s not an ID. This would be much better expressed as a different form of metadata.