Humour me - how would you be at risk of charge back from a bitcoin merchant? Indeed, the lack of charge back may be why porn sites are not head over heels to accept bitcoin.

Hey all, would you know it, a penny just dropped after reading some posts on reddit... I totally get what Ripple is about and why it's awesome. Crikey. Some smart people out there inventing all this s**t. Whoa...! Ever tried to explain bitcoin to your mates? Hard'ish... I'm going to have a real hard time explaining Ripple though. First post, excited to finally take part. Luck to all