The positive side of cryptocurrency Peer to Peer Transfe.I can send you money directly without any middleman. It is a positive thing. But it can be a negative thing because if I send the money directly. In that case, if you have any illegal intentions or if I have any terrible bad intentions, then I can take the money directly from you. If there is a bank in the middle you can get your money back in many ways. When you send money directly, there is no possibility of getting this money back.
The example you used is quite hard to understand and is confusing but I do get what you mean. Let me give you an example here:
Just like you said we cannot take it back. If given or sent to the wrong person, that person might never bring it back and no one else is responsible but you. So you can not blame anyone unlike with centralized systems they can be penalized but you? You just lost your money.
At the same time this is part of our freedom and we must bear the consequences.