To be fair, Zelle is supposed to be competing with the likes of Venmo, where the irreversibility of the transaction is a feature, not a bug. It's supposed to work like cash, for better or worse.

Of course, in practice it kinda sucks. Zelle requires giving strangers way too much information about you. I won't use it. Much as I dislike PayPal, I use Venmo for this use case.