This is one reason why I LOL when others post on these forums that BTC is the simplest, easiest to use, safest, most secure thing going. All that more than credit cards, debit cards, banks, Paypal, etc.
The difference here between credit cards, PayPal and bitcoin are that you have someone upper you that take care of the security (not at all), so if they see something suspicious they lock your cards and contact you, but in bitcoin you are the only owner and you are responsible about your coins so once you lost them you can't get them back.