> wish there were a "the customer is always wrong" way of paying digitally

People always manage to make it the processor’s fault. See the hysteria over people being scammed through Zelle.

Yeah, the root of that is Zelle being required (by law?) to reverse charges the payer didn't authorize, like if their account was hacked. This is sometimes used for scams, but even scams aside, any kind of charge reversal is a problem.