Answering the narrow version, because the broad one does not have a single answer. It helps to ask what evidence would change your mind before you look at any. If nothing would, the discussion is not about evidence, and it is better to say so early than to spend nine posts discovering 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.
The question I want answered is how people are thinking about the trade-off between reversibility and privacy, because you cannot have both.
I have searched first, so if this is covered somewhere point me at it and I will read it.
Dr.GastroMayo said:It helps to ask what evidence would change your mind before you look at any.
That is right, and it stops being right at the edges. The general case is well behaved; the interesting cases in this thread are all at the boundary where the general case breaks.
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View Resultsnick_newbie 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.
Can confirm. Same sequence, different timescale.
Clinical perspective, offered as context rather than as advice. The distinction that resolves most of these threads is between what is true on average and what is true for one person. Both are real; they answer different questions and get quoted as if they were the same one.