Kind of agree. Thats what I am sometimes arguing about with hardcore crypto enthusiasts. I know that a distributed ledger is irreversible, but as long as there arent mechanisms built in to solve this and charge back your transaction if you type in the wrong address, or get your money stolen, there is no way that crypto will be adopted by the mainstream. Its just too much risk involved if you can loose all your money from one second to another if you just type one wrong letter.