As mentioned you’re one of the folks who doesn’t understand there are at least two types of transactions in banking, reversible and non. One gives advantage to the seller and other the buyer. No one-size-fits-all and still quick type.
Imagine you’ve sold a car, the buyer drives off and later reverses the payment.
For very large transactions we have escrow—but isn’t quick by design.
A new potential court-ordered opposite transaction is not what people think of when they hear reversible.