Crypto doesn’t have the same consumer protections as centralized cards, though. You can’t dispute a fraudulent transaction with crypto, as every transaction, much like cash, is permenant and irreversable. That and crypto also has a negative connotation with scams, as it is very commonly used to scam people.

The technology and the idea of a decentralized currency is cool, and with cryptos like Monero, can even mean private transfers of money across the internet, but it also has its flaws.