So you think people who get defrauded on the Internet are "dumb". I can see why you like cryptocurrency.

I’ve been scammed on the internet, but %-wise it’s comparable to credit card fees.

Because you "vet" sellers. Somehow. Infinitely easily. For the rest of us mere mortals, the consumer protections offered by cards are an essential foundation of Internet commerce.

Again, is there a point you’re trying to make here?

Can you read? Good! Then you can read reviews.