As a user, I would like to control which transactions I receive in my wallet because receiving funds can affect me in a variety of ways. Since I am legally responsible for the wallets I control, I should be able to accept or reject transactions. At this time, if someone sends me funds, they will be accepted by my wallet automatically.
Tax implications are one example of the need for contingent settlement. Legal restrictions on trade with restricted entities is an example of another situation where receiving funds may have an impact on me, and at present, I have no control over this function but I have accountability.
See also Request to Reverse Transaction
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