Real money is very dangerous on hand, but the bitcoins is secure and very convenient, secure by password and usernames. Im so love bitcoins everyday.
My money can only be seen in my smart phone and nothing more. You cannot even withdraw it because of the password protection.
In my pocket I only have like 4 dollars everyday for my fare. So even if I lose my phone and wallet I am still secured. That is the big difference.
Credit cards are even riskier because it is being duplicated now. So you are correct. The best option would be bitcoin.