credit card and Debit card are afraid of Bitcoin because of easy chargeback, so much fraud with credit cards
Credit Cards are terrible when it comes to chargebacks and most websites get scared of the same due to the use stolen credit cards. But Bitcoin is completely free from these hassles.
But still almost every website accepts cards as a payment option and it doesn't accept bitcoins which is why I do not feel credit/debit cards are scared of it. In fact mostly websites should care about what they prefer.
Yeah, well the time will come when more and more websites will accept bitcoin and the cards and the websites that remained behind will realize their mistake.