DUMB QUESTION: If you order something online and pay with Btc (actually send it), and what you ordered never shows up, you've just been scammed, right? How do you deal with this Btc flaw? (in this way Btc is pretty much like cash - at least with a credit card you're sorta protected from scams - am I seeing this correctly?)
The moment you send a transaction and it is confirmed by the network, you only get your BTC back if the person who receives it decides to send it back to you.
Look at the Nicehash hack, for example: Everyone knows which address held the stolen BTC, but they sure as hell aren't getting it back.