Cash transactions are done locally when you can typically inspect the object of the transaction before paying. That's why there is not the same need for these kinds of protection.

Crypto combines the worst properties of cash and wire payment into a package that has no customer protection and is almost tailor made for scammers.

There are customer protections in the form of 1) escrow 2) seller reputation 3) seller depositing some risk capital at a selling platform. That said, customer protections have never really worked for me in fiat world.