I feel safe because my bank is responsible for that transaction. If the cafe, thief or anyone steals my money for whatever reason other than me physically givi

I feel safe because my bank is responsible for that transaction. If the cafe, thief or anyone steals my money for whatever reason other than me physically giving someone my card/PIN then the bank or credit card company is legally responsible. And they will refund you the money. Look forward to Web3 without a similar safety net in place.