Is this article trying to say the irrevocabiliy problem is only for the money transmitters, or the users of bitcoin as well?
I never knew that if I use a currency exchange that I could go back and reverse the transaction within 30 minutes, nor do I understand how my transaction is delayed.
To clarify, I'm NOT talking about USERS. This is all about the duties that all financial institutions in the US have with respect to their consumers of financial products and services.
Then use a better title. The rules can't kill irrevocability of the network, that is simply impossible. A title like "Hidden Rules present unique challenges for virtual currency exchangers" would likely have gotten more responses dealing with the actual topic.