You don’t get it because you are too integrated and too deeply trust the machine. The machine protects you and is always on your side. “Use PayPal.” They said the same thing a decade ago too. It comes down to trust in humans. You speak of “enforceable judgements” like human judgement is never wrong or unjust, or even simply biased. Math is never unjust.

Cryptography is highly resistant to fraud, maintaining high integrity by merit of things like hash functions and digital signatures. Humans fall for scams and we can’t blame the math for their ignorance.

Maybe you might get the point of this next decade, but I do sincerely hope that you have a simple life of PayPal mediated transactions.