The problem as I see it is very simple. When you hand over cash, that's it, that's the end of the transaction. The 'seller' can't use this cash to access any more of your money. On the other hand, using any of these systems, you don't hand over a fixed amount of money, you hand over the keys to your account, and allow them to take out as much money as you want.

I don't know why the system hasn't been designed in a way where you only authorise 1 payment at a time, and the combination of information provided goes stale after that transaction so it can't be used again.