What bitcoin does fix is that without having a credit card on file at all, the fraud wouldn’t have taken place. It’s a mental frame shift of responsibility.

Mental frame shift all youd like....we don't actually live in that imaginary world of no KYC for no fraud....and never will. 20yrs or less and you won't be getting online without KYC. Sooner than that (15yrs or less), people will be at a meet up and someone's gunna pay the $700 to get into the bitcoin conference......hack phones with a flipper zero and walk out with 100× ROI. 💀