Government-controlled fiat is a bad idea, and shifting the centralization to private companies doesn't fix anything but merely compounds the problems. When will people learn?
Bitcoin isn't exactly immune from scammers either. Any new technology is going to be exploited or hacked by thieves looking for their paycheck. Both people, governments and corporations need to be one step ahead and keep themselves as secure as they can.
scammers will scam, regardless the currency or asset, if they can make profit by misleading others they will take the chance. If a payment system has loopholes they will be abused.