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Propose a solution then. Rather than just complaining and whining non stop, actually propose a change to the protocol which you think will work and let the community debate it. Or go to the Altcoin board and start discussing your chosen Bitcoin fork shitcoin which most closely aligns with your proposed solution instead. You have many to choose from.
You're wrong, in Europe you can make instant wire transfers in less than ten seconds now, with SEPA Instant Credit Transfer. You just need to know the SEPA account number(IBAN) of the person or the company to pay. Only few dozens of cents are usually charged for those wire transfers.
And a quick web search tells me that such payments can be reversed for a massive 13
months after the payment date.