so its explicitly designed to be doublespend + rugpull tech. makes sense. I guess that is technically a feature for the sender

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None of this is great for adoption.

No, once you accept the payment it's yours. No way to get it back. But in the end thats not the main use cases for ecash. More about scalabiltiy and privacy imo.

I don’t see how it’s good for scalability and privacy where there are glaring payment finality issues when actually using this in practice for commerce.

Coins made out of various metals with intrinsic value could work.