bearer instrument

基本解釋

The loss of negotiable instrument is that the bearer lost negotiable instrument but not on his inclination.
所謂票據喪失，即持票人并非出于自己的本意而喪失對票據的占有。
Where the cheque is dishonored, the drawer shall still bear the liability for the instrument to the bearer.
付款人不予付款的，出票人仍應當對持票人承擔票據責任。
However the exception is in cases where the bearer acquired the instrument with the foreknowledge that such opposition existed.
但是，持票人明知存在抗辯事由而取得票據的除外。

While it is true that bitcoins lost or forgotten are ultimately irretrievable, I view that as a feature not a bug because it is the prevailing trait of a digital bearer instrument.
FORBES: Bitcoin Obliterates 'The State Theory Of Money'