Answering the narrow version, because the broad one does not have a single answer. It is worth asking what the claim would look like if it were false. If nothing would look different, it is not a claim about the world and no amount of discussion will settle it.
I have used three payment routes and the only thing that changed with each was how much leverage I had when something went wrong.
What I am trying to establish is how people are thinking about the trade-off between reversibility and privacy, because you cannot have both.
Practical detail welcome, however dull — the duller the better.
DanielChem_CHI said:It is worth asking what the claim would look like if it were false.
Agreed, with the usual condition: that holds for the average and this board is a collection of individuals. A population claim and a personal prediction are different things and get quoted interchangeably.
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Shop Reference Standardswei_SG said:I have used three payment routes and the only thing that changed with each was how much leverage I had when something went wrong.
Same experience, arrived at from the opposite direction. Posting only so the count is not one.
Clinical perspective, offered as context rather than as advice. Start from the measurement rather than the conclusion. Almost every disagreement here turns out to be two people measuring different things and comparing the numbers anyway.