I disagree with you. One have to assume to create the reality. Most of the philosophers and scientists used assumptions to create the unthinkable so when you say "assumption is a lazy man method to decision" then you turn to the then president of Nigeria who says, Nigerian Youths were lazy" when he has not tested them to do job for him. In my university days, there was a course I borrowed from another department and it is that, life without assumption is always misinformed himself. Like if you are going to pH from BY, at first you have to assume that if you left her by 10 am and you miss the car or rain fall that you miss the car what will you do? You go think of all these things first before making any decisions.

The p2p is not an assumption as I see it. But in reality. You have to confirm the credit alert before releasing the coins.