Reversibility is great for consumers who are sending money in exchange for products and services. It can be a nightmare for people who receive the money and are providing the products and services.

And it isn't just businesses who carry this risk. If a business was depending on a large inflow to make payroll, and that inflow gets reversed, the people who are expecting payment for their labor also are subject to a payment reversal.

There's definitely a lot of benefits to reversibility, but it has very real costs and tradeoffs.