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Also, people are mistaken when they think that bitcoin will destroy credit cards. People like credit cards because of the security they provide. They want chargebacks. Ultimately, even if bitcoin does take off, people will use bitcoin-backed credit cards (or paypal) because they want the ability to call up the credit card company and dispute a charge.
Your point is perfectly understandable, from a "consumer" POV, but if you look from the other side and be the real producer of goods and services I think you wouldn't say the same thing. Reversible payments are not the solution, but merchant reputation and post-sale support they you receive as a "consumer", btw I hate that word.