Putting coercive governments aside, the cryptocurrency would need to allow for transaction reversals (a.k.a. “chargebacks”) like credit cards do today, and additionally need to have some kind of “know your customer” (KYC) capability, not just a public ledger that points to crypto wallet addresses but actual names and addresses, so that the “credit system” can identify fraudsters and, at minimum, mark them as such by lowering their credit score.