A teammate says a saga can just roll everything back if step four fails. What is wrong with that, and what would you tell them to build instead?
A saga has no rollback. Each step already committed in its own database and was visible to everyone, so you can only run new forward transactions that semantically offset it. Compensations are not atomic, some actions cannot be compensated at all, and compensations themselves fail - so a saga needs idempotent handlers and an ordering rule for irreversible steps.