Friends, I am mesmerized by Bitcoin, it's a great currency alternative and lots of innovation going around but to be honest everywhere I see people's are fearing a lot, they want to invest in bitcoin and yes they already invested but still fear is prevalent. Everybody fears and they are afraid mostly about the following:

1) What if someone hacks and steal my bitcoin.
2) What if government shut down bitcoin.
3) What if I buy something via bitcoin and the seller doesn't send me what I paid for.

This list goes on....  What do you guys have to say about it? Why so much fear around Bitcoin? is it time to centralize the Bitcoin so that we could shop freely so that we could have purchase protection just like visa and mastercard Chargeback policy. Decentralization is good but it truly sucks.