Companies like Visa/Amex don't just provide a transaction network, they provide insurance for a fee. You know when you use your Visa debit/credit card that cer

Companies like Visa/Amex don't just provide a transaction network, they provide insurance for a fee. You know when you use your Visa debit/credit card that certain assurances are made. Among other things you can do charge-backs, and they will debit the merchant. The merchant pays a % cut to the network/insurer and it's built into the price of goods and services. If such insurance/service guarantees are of interest to the market, they will be provided. The weird thing is people associate Visa transactions with business that are real legal entities that have contracts with Visa and you could sue, but as soon as you say Bitcoin they assume every transaction is like a Nigerian prince scam. These associations are the result of effective marketing by people who want you to feel that way.