I don't use cryptocurrency as a replacement for a credit card, I use it as a replacement for cash. Banks aren't risk-free either, it's a lower probability of problems for a much more devastating impact.
Compare a frozen bank account to a fraudulent transaction you can't revert. Sure, the latter is more frequent, but the former is devastating.
In this world however, disputed transactions may even be more than half, depending on the industry. You can't approach something that ignores this as a serious financial tool.