Immutable payments has trade-offs.
Having dispute moderating intermediaries is probably inevitable in many ways, it is a valuable service and does deserve a financial reward.
If your uber driver drops you off in the middle of nowhere or your airbnb guest trashes your place, these disputes have to be moderated somehow.
I think at some point there will be bitcoin payment escrows to facilitate commerce and we will likely pay for that service.
Both Airbnb and Uber have incentives to make it right without a mechanism to reverse financial transactions and will increase the value of reputation/feedback/reviews . The system we have now incentivizes fraud and merchants are getting screwed badly
There’s still a lot of situations where not having a mediator might make commerce, think overseas vendors etc.
Don’t get me wrong I hate rent seekers like visa/mastercard and they need to go, but their networks actually minimize trust required with unknown vendors.
