Will the system provide "protection from a fool"? In existing fiat banking systems, you can send money somewhere accidentally, and then get them back. Not easy, but real. In the case of decentralization, this is not possible. How user will the protected against errors in the transactions?
As I know. So far this problem has not been solved. All write 10 times check, then send. On the other hand, this is protection against scammers. Imagine if the cheater got access to your account, so he can cancel the transaction?! But if the transaction is transferred to a non-existent address, then obviously there is the sender was wrong. And here it is necessary to think of how to return money