Realistically that's probably true. But at least on paper there's something.
I admit to some confirmation bias here, though, since I've never had a problem sending or cashing MOs. I'm sure one bad experience would have me re-evaluating digital alternatives. As is, my biggest problem with gunbroker transactions to date is buyer illiteracy. So far everyone's paid (and been paid) as agreed.
Yeah, putting several hundred dollars (or a couple thousand dollars) in cash equivalents into what's essentially an uninsured envelope and hoping for the best is not ideal. I've never had one go missing (yet). But the possibility is always there.If you read my message, however, that wasn't really my problem with MOs, anyway. My post was addressing the angle of the money even reaching them to begin with.
The only way I use Zelle today (besides under duress) is to first send someone $1 and then get them to acknowledge that they received the dollar. Then send the rest. That fixes the issue with using the wrong email/phone id, but doesn't address the labyrinth of failure that can happen once Zelle starts talking to the Visa/MC APIs.