Right, this is why its totally unworkable as a solution to the problem of transnational corporations wielding too much power, and a totally crypto-ized global economy would probably just make that worse. It solves other problems fairly well (paying ransoms to anonymous cybercriminals, as an example), but also doesn't even try to solve the problem that ordinary people can't afford (or figure out how) to have small commercial disputes adjudicated by actual courts anymore, which is (IMO) the one of the reasons these corporations hold so much power.

In the neoliberal world order, government exists to ease the flow of international capital ("These regulations make it hard for us to scale our sales beyond the {US,China,Germany}. Please Mr. President, we need common-sense solutions!"). It has jettisoned its role of solving real problems for ordinary people ("Lord Fontleroy, Biff's dog killed two of my pigs.") as it once did.

If you need the extra safety you pay for the service of an intermediary, like PayPal or eBay or (in cryptoland) Purse.io.

If you don't need the extra safety, you don't.

Many people take extra safety for granted though. Wether it's chargeback or at least knowing who you pay to pursue further legal actions.

Let me rephrase consumer safety in crypto. Food safety regulations is kinda cool and we feel safe eating out. Now crypto food comes. It's cheaper, but seller now follows it's own understanding of food safety. Or not.