The original Bitcoin paper says:

> Transactions that are computationally impractical to reverse would protect sellers from fraud, and routine escrow mechanisms could easily be implemented to protect buyers.

Emphasis added.

It is conceptually possible to create a crypto "credit card". But given that existing transactions are already slow, expensive, and complicated to integrate - I can't see it being attractive.

There's also the issue of trust. Escrow merchants need to be highly-trusted by both sides. They also need regulation and insurance. Those things are all in short-supply in cryptoland.