Banking law and banking practice: Is a uniform stop payment rule possible?

The disparity and apparent inconsistencies in the current system in regard to the right to stop payment prompts the question whether a uniform stop payment rule is possible or desirable. The following is a summary of differences in regard to the right to stop payment: -With cash there is no right to stop payment. -With cheques the drawer has a right of stop payment -With bank cheques there would appear to be no right of stop payment. -With credit cards the cardholder has the right of chargeback. The right of chargeback effectively provides a right to stop payment in relation to credit card payments. -With debit cards there would appear to be no right to stop payment since payment is immediate.