Because it's completely different? Credit cards are designed to be accountable and refundable. The credit card is sold with a guarantee that it cannot be used to steal money from me. They can do this because credit is not "real" money; it's credit.
Bitcoin is designed to be easy to steal because cash is easy to steal.
It's an amazing technical achievement, it's just not necessary or desirable. There's no music format that replicates vinyl's degradation with each performance. This is not just because it would be hard, but also because it would be undesirable. We just don't need a currency that solves non-problems and brings back solved ones: it's undesirable.
Bitcoin is designed to be easy to steal because cash is easy to steal.