In crypto you can add insurance if you want. It's an optional service. With credit cards it's baked in and you can't opt out. I want to opt out. I've never used a chargeback in my entire life and it's a source of profit for the credit card corporations. They pay out less than they charge, of course. I'd rather have a lower transaction fee and not feed Visa's bottomline. With crypto I'd want to just add a transaction insurance when doing something risky (like bridging cross chain).