This message relates to an edge case which BIP322 only partially solves, and
that is Proof of Payment.
When you make a transaction to any business, it keeps the transaction in its
records and generates an invoice so anyone can verify the transaction took
place.
When you do a P2P transaction, w
Besides, all silent payments are mined at the end of the day, so they are still
transactions that are included in publicly auditable blocks.
The only thing that changes from the user's point of view is that these
addresses cannot be heirarchically derived with BIP44 (or any other path for
that
