Indeed. It is one thing to use a debit or credit card where the bank takes most of the fraud risk. It would be another thing to use some sort of bitcoin card where the person who ends up paying or sorting out the mess if it goes wrong is me.
Where is the risk? If you use your regular debit card at a terminal location, like a gas pump, in which a thief has installed a skimmer and a videocamera to record your PIN number, you will
not get your money back.
You are led to believe in a safety net that is not there.