>credit card chargebacks, escrow, and fraud departments exist and work every day without requiring a perfect government

Nope, chargebacks in Russia do not work the way they do in US, not even close. The reason - government does not represent consumers, it represent bank owners. Also primary reason why scams in Russia are so widespread (and why internet is so cheap) is telecoms freely selling personal data (again, government representing telecoms).

Majority of world population live under a shitty government. Primary method a government uses to control population is monetary. First thing happening to a blogger opposing war in Russia is foreign agent status primarily limiting their ability to make money advertising. Government prints money to fund stupid war slowly extracting from population via inflation. Think of China or Iran where the only asset one can invest is real estate. In Iran leaders seriously discussing moving capital to a new city because they ruined local ecology. In China property prices aren’t doing well primary because of government mismanagement. This puts life savings of millions at risk without reasonable hedge. Coming back to Russia - devaluation in 1991, then again in 1998, then again in 2008, then in 2014, then expropriating private pension funds, then the war with western countries making it very hard to move assets out of the country while also freezing assets of tens of thousands Russians in EuroClear. How am I supposed to save for retirement?

Having alternative monetary system is the hedge from a shitty government. If stock market tokenization ever happens I expect a huge influx of funds into US/EU markets from people of China, India and Russia in an attempt to save their life savings from government greed and stupidity.

In this context your point about irreversibility is a desirable property making system independent from a shitty government. Don’t get me wrong, I’m well aware of all crypto shortcomings and would love to have something in between current chaos and more orderly system.

A smart contract is a shitty alternative to a good government but a decent alternative to a shitty government. At the end of the day I don’t need sorry, I need a solution.

I honestly couldn’t care less how things (don’t) work in Russia. It’s a complete non-sequitur. Sucks that your country sucks. Maybe work on fixing your country. Sorry you’re too caught up invading your neighbors to fix basic things like your financial system.

Your fallacy is in saying “government isn’t perfect therefore crypto is better”. This makes no sense. Crypto dials down the protections to zero. It’s worse than any possible government can be, even in principal. Sorry your government is so bad that crypto’s flaws seem minor.