Fiat currency gateways already exist for bitcoins. There are usually terms and conditions that prevent them being reversed. It (reversal) is not something that the end user can do anyway - it has to be done through the bank. Further when you reverse a transaction through your credit card company or bank that is not AN actual reversal of the transaction. The credit card company pays you back and then tries to recover funds from the recipient. It is not a true reversal. I don't think this is a problem for a fiat gateway - regulatory/legal issues are the real problem.
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