"If only there was a technology which fixes this..."

"Those are functions of a marketplace"

Then it seems you should have said "If only there was a technology and a marketplace which fixes this..."

And no, it doesn't exist because handling disputes is a hard problem. It's the actual moat of PayPal (and credit card companies) and the reason why they can get away with their crappy behaviour.

The comment I responded to said:

> No clue what I did, no recourse, now locked out of a fuckton of global marketplaces and peer to peer transactions that uniquely only work on a platform like PayPal.

I am not saying there is a single technology that is completely at parity without paypal without the problems, I'm saying that there is a technology which can give you access to global marketplaces and peer-to-peer transacting if you are locked out of the paypal/CC system.

And the payment processors don't have a moat in their sophistication in dispute resolution. This is a hard problem, but a solvable one if you have lots of liquidity: e.g Amazon, AliExpress. Their moat is having lots of liquidity, regulatory capture, and network effects.