Well even with Interac E-transfers, which are a debit of one account and a funding of another (of already existing funds, i.e. no credit is involved), they still have the stipulation that the vendor, not the customer must bear the cost of 'unauthorized payments'. But even if Visa/other CCs/Paypal are stacking the system heavily against the merchant, there is no reason that a law-abiding citizen couldn't prove their identity securely beyond a shadow of a doubt to a law-abiding business. And there is no reason why PayPal et al. would rule against a merchant if they could openly and easily prove beyond a shadow of a doubt that the transaction was in fact authorized.

This is what I am trying to open a dialogue on: How can we create a security system that proves identity beyond a shadow of a doubt, so that we can win any disputes we have, thereby allowing for the processing of certain e-payments and opening up the spigots of cryptos to the laypeople! That's what I think is at stake and completely able to be accomplished here.