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.

Bitcoin may be better compared to gold bars: I give someone a couple gold bars and then realize it was a mistake. Those gold bars are gone unless the other party is willing to return them.

Credit cards have a 3% charge on everything. That is a LOT of money but we allow it partially because of the insurance attached to it.

We pay for title companies for property exchanging partially because of the insurance.

We pay for insurance for the insurance.

Escrow doesn't magically solve the problem, a way to mediate disputes would be required. That probably will fail in very similar ways to the way the systems we have today fail.