1. I can't think of many good reasons for memorizing an address. Anyway, sometimes transferring an address between devices can be cumbersome, but usually it is not a problem and there are ways other than writing it down. Some sort of address registration service might be helpful, but if it were really necessary, it would have already been created.
I do believe the long address is difficult (for moms and pops) for people whom are not knowledgeable in technology. I know for a fact that aloth of peoplke around me if they were to get into crypto-currency they would loose a part or all their budget on trivial reasons.
2. The problem with being able to get your money back when you make a mistake is that you can also get your money back when you don't. It enables the kind of serious fraud that banks and credit card companies have to deal with. If you need a third-party to validate transactions, then you have eliminated the main advantage of a cryptocurrency.
It seems like what you are asking for is a banking system and debit cards. That has all the features you want and it already exists.
Not talking about pulling your money regardless, but certain conditions have to be met. With a number of feature to be added to reduce the chances of mistaken transactions.
As mentioned before, limited quantity transfer to be received until certain conditions are met to verify that the use of this wallet is for actual use (human verification). Not exposing the users identity but to ensure the address has not just been initialized and left or produced by bot.
thanks;