Doesn't that simply depend on how often you have to leverage human enforcement? Whether you have to do it <1% of the time vs 100% of the time would drastically change the answer to your question.
It's like chargebacks. 99.9% of my purchases I will never issue a chargeback for, so most of the time I choose to use a payment mechanism (cash, bitcoin when I can) that doesn't come with all that overhead. If I was frequently getting screwed by merchants, then my payment habits would change accordingly.
It's like chargebacks. 99.9% of my purchases I will never issue a chargeback for, so most of the time I choose to use a payment mechanism (cash, bitcoin when I can) that doesn't come with all that overhead. If I was frequently getting screwed by merchants, then my payment habits would change accordingly.