Everyday credit card users who rely on the bank to protect them from fraud should not be using cryptocurrency directly. They also should not carry their money a

Everyday credit card users who rely on the bank to protect them from fraud should not be using cryptocurrency directly. They also should not carry their money around in cash, yet cash still exists and people can take personal responsibility for the risk of loss if they choose. A blockchain can solve "didn't receive the item" fraud because the merchant has the payment before they send the item and can refuse to refund it. Of course it creates a new kind of risk for the buyer, but that's not what we're talking about here.