Nothing you said conflicts with my post. Your situation is extremely unusual and pretty much defines "high risk" from a fraud prevention perspective. For 99% of the population this is a non-issue.
My point is that with Bitcoin I can opt-out of the overpriced fraud protection racket that is my credit card. This allows transactions to take place that could not take place otherwise. It's a feature, not a bug.
If you think my situation is too crazy, then consider someone who wants to buy a $15,000 Rolex or gold bar online or place a $5,000 bet on a football game starting in 3 minutes. There are many applications for digital cash that are not being served by existing electronic payment methods.
> My point is that with Bitcoin I can opt-out of the overpriced fraud protection racket that is my credit card.
And right there is the crux of your disconnect from the general population. The vast majority of people don't view fraud protection as a racket; it doesn't cost them anything as far as they are aware and the benefits are pretty clear, especially compared with bitcoin where permanent loss of funds because of hackers or arbitrary technical problems is a real risk.
> then consider someone who wants to buy a $15,000 Rolex or gold bar online or place a $5,000 bet on a football game starting in 3 minutes.
Ummm, those all sound like pretty unusual use-cases that the general population has no use for. I never said bitcoin was useless so you can stop proselytizing, all I said was that credit cards are clearly much safer than bitcoin if you define safe to mean "protects my money from being lost or stolen".
