Bitcoin offers no such protections? And the Transactions are Irreversible
and that means the transactions ARE irreversible!
you see it can go both ways. you can go check out how many people are getting scammed every day using Paypal (which has reversible transactions). bitcoin is offering a strong merchant protection and the customer which is a random anonymous person who visits the stationary an known place aka a business and makes a payment that he can not scam that business with.