There's the semi-ethical issue that some adhere to. In my view, equal to hiding the shit under the carpet and pretending no one smells it. Maybe that works in fiat economy (everyone pretends they're fine though public debt only goes up exponentially), but not with math.

The basis of Bitcoin having any value is properly managing the security of the keys. If one is dumb enough to not grasp this concept, they well deserve their TX to be replaced, because they failed to understand the fundamentals: your key = your money. Not your key, not your money. And it's not your key if you basically spread it to everyone, everywhere.

There's a simple fix for that: don't do it at all. Don't trust Mara? Then don't attempt to solve weak puzzles, just to later complain your investment went down the drain.