These are exactly the types of things Chia is working on, and at least to some degree, are in production.

Of course, if the sender can cancel transactions at their discretion, that enables another class of frauds. The solution has to lie in some trusted centralized party outside the payment system [0]. Chia can't solve this. A banking system and legal system can.

[0] Goharshady, A. K. (2021). Irrationality, Extortion, or Trusted Third-parties: Why it is Impossible to Buy and Sell Physical Goods Securely on the Blockchain (arXiv:2110.09857). http://arxiv.org/abs/2110.09857