Considering collectively all your comments here, the answer for you, personally, is simple: DON'T USE BITCOIN. It cannot provide the impossible level of perfection and assurance that you seem to be striving for. This what both GP above, and I have told you already

Just use traditional finance and traditional banks. Because then at least you will have more hope of getting transactions reversed if you get scammed by any of the elaborate and unlikely device subversion or middlemanning methods that Bitcoin transactions are also susceptible to (those methods that you've alluded to already here)