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I'm probably mistaken, but I am under the impression that in some cases bank wires can be reversed. I'm certainly not well versed in what transactions can or cannot be reversed. And, what's worse, I would be interested in buying so little steem at a time that the cost of the wire transfer would exceed the cost of the steem -- a real disincentive.

I guess not a bank wire, bank deposit, take your cash and deposit in their account at their bank... no reversing that

I think you are mistaken. They can't be reversed. What is called reversal is not actual reversal which is described in my other response.