traveltech_sara said:

The trade-off is reversibility against privacy and there is no option that gives you both.

Agreed, and one detail people underrate: an irreversible payment removes your only leverage in a dispute, so it should be the last step rather than the first.

TrialNerd_Beth said:

Agreed, with a caveat about community reputation: it is a lagging indicator.

This answered a question I did not know how to ask. Sending this to two other people who asked me the same thing last week.

traveltech_sara said:

The trade-off is reversibility against privacy and there is no option that gives you both.

I do not accept the framing. The question has been narrowed to the version that has a tidy answer, and the part that was dropped is the part the OP actually asked about.

Adding the numbers, since they settle part of this. Keep the original post as written when you update it, and add the correction underneath. An edited-away mistake is invisible to the next person who makes it.

Correct me if the detail matters more than I have assumed.

Moderator note: leaving this open. It is being argued well and the disagreement is the useful part.