You're paying those prices for Visa's reputation. Visa takes what, 2-3% of every transaction? Also, Visa has a record of every transaction you've ever spent. And as the Equifax case has shown, even big players aren't immune to hacking. You know what's pretty resilient to hacking? The blockchain itself.

At any rate, the advantage of Bitcoin/Ether is that sending Joe Schmoe your money doesn't mean you've exposed your credit card number and billing address (likely also your physical address) to Joe Schmoe. So there's pros and cons to either system. Refunds have existed since well before credit cards were a thing. Does it require a bit more of "buyer beware" ideology? Sure, but I don't think that's any different than a cash-based society.