The lack of reversibility and dispute resolution is a key tradeoff with crypto payments, because blockchains can only parse strict objectivity. This is the
main service that banks, Visa, Mastercard, PayPal etc sell - the tech is very simple and easy. The only "solution" is to add similar traditional subjective layers on top. Given a majority of real-world consumer crypto payments happen through USDT on Tron via Binance/CEXs, "decentralization" is obviously not the value proposition, rather accessibility to US Dollars, so this may be an avenue worth experimenting with.
As for non-custodial - definitely important to evolve on even if it'll always be a niche userbase. Some low-hanging fruit are mandatory double-checking of addresses, human readable and savable addresses, blacklists of fraudulent addresses, an escrow/undo period, etc can help greatly. These are the common failure cases in traditional payments, and at least anecdotally in crypto too 5 replies
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