Bitcoin are also vulnerable to physical theft and the OP isn't talking about physical theft of currency -- I'm pretty sure you know that and are electing to be

Bitcoin are also vulnerable to physical theft and the OP isn't talking about physical theft of currency -- I'm pretty sure you know that and are electing to be snarky in spite of that. A credit/debit card when stolen, regardless of physical or electronic purloining, is backed by a set of consumer protection laws, regulations and policies -- some obviously required by government but some provided without legal obligation. Further a bank account, a brokerage account or any number of real money stores are insured against theft and loss (bankruptcy). BTC are not.