I keep arguing its all about ease of use and bitcoin has to be pretty instant and simple like a touchpay debit card, the banks dont want us to suceed or to steal power away from the central bank economy. Capitalism is all about competetive tendering and efficency so either bitcoin meets the mark or falls away into obscurity. At least for small amounts it should be simple as can be seconds to do, but yet we still have accidental instances of fat finger transactions - this happens in normal business by an authorised professional on a terminal at work. It should never be possible to overtip in a giant way on an irreversible transaction. We are destroying value allowing such a thing, until somebody in power on this protocol clicks on that point I expect to be disappointed in btc growth for this and other reasons
That can hardly be challenged. But how many people are actively using desktop wallets (apart from cold storage)? I, for one, am using a Coinbase wallet, and paying with Bitcoin is, in fact, even easier for me than filling out all the required fields for making a wire transfer. You just enter the address, set down the amount, and are pretty much done with that. On the other hand, expansion of Bitcoin payment cards as of late makes the process of payment for miscellaneous daily goods virtually indistinguishable from payment with your typical Visa or Mastercard (I think this is the way to go)...
And I've always been saying that adding a grace period within which the payment can be reversed is a necessity if Bitcoin aims at going mainstream