It is unclear whether or deposits should be disputable, or only
At the moment, both are disputable, but that does mean we can get into
"weird" states by disputing a deposit: the held funds being negative.
In turn, this means that there is relatively little error-checking for
those balance values, the only clear thing is that withdrawing more than
is currently available is absolutely an error. But is holding more than
is available also an error? What about having a negative held funds
balance? A negative total funds? Etc...