Out-of-band fixes require trusting banks, but how trustable are banks really? Often the banks do say "tough luck". This is why you should never leave much balance in an active bank account in the US. Credit card issues are more fixable, but only in the US.
Regarding blockchain, it grants freedom in that you have the choice of trusting a third-party custodian, or doing self-custody. Having choices is good.
That's some inapplicable and incorrect nonsense you invented right there. If you need help with logical reasoning to go correctly from A to B, then GPT can guide you.
I steal your credit card and spend $80 to fill up my gas tank and then go buy a pair of sneakers, who do you think pays for that? It's not you. It's the credit card or bank company. And then they call and ask if it was fraud and you say "yeah, it was fraud. I was nowhere near a Foot Locker in Gary, Indiana."
So they "reverse" it and they absorb the loss. It's how the entire credit financial system works. I'll send you some books you should read.
Bank accounts don't work like credit cards though. If money is gone, there is no assurance of getting anything back.
https://www.reuters.com/business/finance/uk-banks-face-step-...