You mean the one where someone else pays a higher ATM fee and scoops my cheque deposit? We can talk about reduced bits in the puzzle vs a regular transaction but when you need to consider how you are going to safely claim your money as if you are laundering you have to admit this is a little nuts.

The only reason that this opportunity exists to swoop in and forge a transaction is that the reward in question is a reward for fundamentally breaking a weak version of the cryptography underlying the BTC blockchain, the technqiue for which happens to have a second mathematical weakness.

No other transactions are subject to this weakness, and it's this puzzle which proves that.

You're discounting how nuts it is that a third party has veto over whether you can spend your money and how.

I think it's part of living in a society with rules and law. It also protects me from rampant fraud and theft and also helps ensure taxes are paid for the benefits I use like roads, hospitals, and education.

idk $34 billion in annual global card fraud is also a little nuts.