I have one question

We have all these stories of how our feudal lords have been nice and helpful

But why not get the notifications yourself on your own devices?

You can set up your own policies for approving transactions or whatever. I understand that the chargebacks can be done up to 60 days, which means “seller beware” in the current financial system as opposed to “buyer beware” in the crypto one. But in the crypto one, you are in charge of your keys. And the arguments made in favor of banks could have just as easily been made for printing presses or telephone switchboard operators!