"Same as cash" is part of the problem here. Credit cards offer way more protection. I don't want to give cash-equivalent to somebody I've never done business with, unless it's a physical good I can immediately examine in person and take possession of.

But really I meant more user error, like getting phished or hacked out of a wallet, a mistake in coding up a smart contract, a mistake in choosing which third-party moderator or online exchange to trust, etc. Every step of the way is fraught with risk. The same crypto opportunities that opportunists get rich on seem to be built on other people's misfortunes. It's a zero-sum game.