"Consumer protections" - not "Consumer protection laws" - All of the "consumer protections" I have actively used were given to me not by law, but by the cr

"Consumer protections" - not "Consumer protection laws" - All of the "consumer protections" I have actively used were given to me not by law, but by the credit card company. (some of those are mandated by law, of course.) Of course, I have been passively protected by consumer protection laws, and yes, I would receive the same passive protections when paying via cash or bitcoin.... but when those laws are violated, it's almost never worth it to bring up a legal case. If I pay cash, and I get screwed, I complain to the vendor. However, if the vendor does not give me satisfaction, it's usually just not worth paying a lawyer. It /is/ however, often worth it for me to call my credit card and get them to take the charge off. While the credit card might not get me many (or any) more legal rights, it certainly gives me rather a lot more practical power if I have a dispute with a retailer (vs. using cash or bitcoin)