Remember that "chargebacks for everyone, no questions asked" is a US and Australia-only thing. In most other places it's not very common (you need to go premium for that), and Bitcoin would be more than welcome to reduce fees, delays, frozen accounts, and other bull.
Fraud is still fraud, so if you get defrauded by someone, all you need is that a judge decides that Bitcoin is money, like it has already happened with that guy in the US who ran a ponzi scheme based on Bitcoin and got caught. So don't worry about that.
> all you need is that a judge decides that Bitcoin is money
And then what, do I need to sue every time someone stiffs me? That would be a colossal waste of time and money, which means in practice that the fraud gets away with it – knowing they might not even have the funds to pay me.
The way it works now is, if I’m not satisfied and the merchant isn’t being reasonable, I can call my credit card company and request a chargeback. No lawyers and courts needed.
I was talking about fraud, which is a lot broader than "I bought something on Amazon and something went wrong". If you fall into a ponzi scheme, a credit card won't save you.
About chargebacks, again, it's a US and Australia-only thing, so yeah, maybe in those places Bitcoin won't look so good, won't be adopted, and they will be left behind.
On the other hand, "chargebacks for everyone if no evidence of goods delivered" is a global thing.
Fraud is very different from chargebacks - if you lose money in fraud, good luck getting it back from the fraudster; proper chargebacks mean you get the money back in any case, even in extreme cases if your bank goes bankrupt during that time.
At least in the US, it's not quite "no questions asked". The last time I requested a chargeback my credit union sent me a form with a list of questions, including asking me to detail how I had attempted to resolve the issue with the merchant, with the dates of when I had phoned them.
Fraud is still fraud, so if you get defrauded by someone, all you need is that a judge decides that Bitcoin is money, like it has already happened with that guy in the US who ran a ponzi scheme based on Bitcoin and got caught. So don't worry about that.