But in those cases the user gets their money back. This isn’t the case with crypto.

People with time get their money back. People without it get nothing back. And that’s not even mentioning the legal scams like overdraft charges… I’m just saying, the existing system sucks too.

It's not that much time, and frankly you need the time with any method. The last time it happened to me, my card provider noticed the transactions, blocked the card and phoned me to ask if I made them.

The time before, I phoned my bank and told them I had a charge I didn't recognize, they asked me to fill in a form and refunded me within 48 hours.

Absolutely, as much as any other payment method. Meanwhile there are consumer protections available for them. One phonecall and a form will pretty much instantly reverse a debit card, credit card, or direct debit transaction with any bank in Europe. On more than one occasion this has happened to me and it's taken less than 15 minutes to resolve.