UI automation is necessary for accessibility

Perfect is the enemy of good enough perhaps.

There are distributed payment systems in fairly wide use today, 1 in particular which is viable for micro-payments down to about a ¢. They just don't do recovery. So the answer to "but recovery is hard" quite possibly is that you can not solve it and the resulting system may still be adequate for use - if not as perfect as you'd advocate for.

Indeed, a number of people would argue that some centralised 'recovery' authority able to reverse transactions at a network level would be a *malfeature* in any distributed, online, (micro)-payments system. Non-reversability (at a network level), they would argue to be an essential feature (and this would *not* preclude availing of legal action to recover funds).