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Reversals are more accurate, since if a company offers a refund policy that is a much different process from calling your bank and getting the transaction reversed.
So you are correct.
Since bitcoin is programmable money, reversibility can be built in the future if needed (think a merchant advertising that payments to them are reversible through your bank (or more likely via some other trusted third party) if needed as a way to gain your confidence).
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Honestly, what would this ever be needed? If we are talking about merchants and the way credit card processing works maybe this could be a lightning invoice feature but on chain... nah. Seems like a very bad idea.
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