I think people like have payment protection. Visa was basically created by the banks and ultimately the credit system goes back to the banks. Let's say you buy something through eBay and pay through the Bitcoin what protection do you have?
Until they lose their money in a scam.
If my cash money gets stolen, i can call the police. If someone scams me, the chance is pretty big the rl scammer is going to be found and it's not unknown to get a refund of banks off it happens digitally.
Crypto currency, as far as I'm aware, is really a magic trick. It's gone and no one can help you.
( Just in case someone mentions bitcoin has transparent transactions. Please lookup bitcoin mixing services first)
+ Shop owners have markers to see if money is valid. Security cameras would have recorded who tried to scam the shop owner.
If something would happen with an atm, I'm sure the banks will refund you. In Belgium, the law says you are only viable to a 150€ loss ( https://www.euromex.be/safety-world/wat-als-ik-het-slachtoff... )
As a contrary POV, i ran an experiment with a magazine online and the most popular article was: "how to recover a bitcoin password" ( not in english though). And guess what, most of them would lose all their funds.
That wouldn't be the case with a bank.