a solution for people sending the wrong token on the wrong network

I've seen a million posts about people who send things to their exchange's deposit address that they shouldn't have, and they have to beg the exchange to recover the money. or they try to withdraw money and end up receiving it on the wrong network.

a new address format would take a person's address, a chain ID, and optionally a token contract, and just mash them all together. for example:

vitalik's ETH address

0xd8dA6BF26964aF9D7eEd9e03E53415D37aA96045 

the chain ID of Arbitrum One

0xa4b1 

the contract address of the USDC token

0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 

combine these together

0xd8dA6BF26964aF9D7eEd9e03E53415D37aA960450xa4b10xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48 

what this would do is, when you paste it into your wallet, it will instruct your wallet to only send USDC on Arbitrum One to vitalik. or to send ETH, just don't add a contract address. your wallet would have to separate the pieces and perform a regular transaction using the traditional address format, so the network itself doesn't really need to know that you used a longer address. it's not that much different from how bitcoin mainnet QR codes may add instructions such as a requested amount.