it still destroys consumer protections, is perfect for scams and makes it even harder for authorities to pursue criminals.

The very same things that allow these things can allow the people in power to spy on all your digital transactions, as well as deny service to people they don’t like (which they would more eagerly do to opposition rather than real scammers)

Oh, and not to mention that even with protections like this, most scams and crime still happen in the “traditional” payment systems anyway.