The difference is you have the option to offer buyer protection or not offer it with Bitcoin. With Credit Card companies and their proxies, Stripe, PayPal, etc

The difference is you have the option to offer buyer protection or not offer it with Bitcoin. With Credit Card companies and their proxies, Stripe, PayPal, etc. there is no option of choosing a buyer protection service provider which meets your needs (unless you consider strict to extremely strict a choice). Buyer protection isn't always a good thing. Often it is a hindrance to progress. Merchants should be able to chose the level of buyer protection they want to offer.