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.
That depends upon the bank and the local law, but certainly in the UK the bank would almost certainly take the loss. Generally speaking over here the customer only bears the loss from fraudulent activity on his account if he has been negligent. Otherwise the bank (or their insurers) take the hit.