Well, i think the example you give isn't a really good one... Human stupidity is human stupidity wether you're using the traditional banking system or bitcoin.
Exactly. Having complete control over your funds as you do with Bitcoin is obviously a huge advantage over the fiat bank system, but can also be a disadvantage if you are careless with security.
If your credit card gets cloned, or your account gets hacked, chances are your bank will pick up on suspicious activities and lock your account. Even if they don't, you may be able to claim back money that was stolen. If you are careless with your Bitcoin, using weak passwords or brain wallets or something similar, then tough - the funds are gone and there's nothing you can do about it.
Crypto is perfect if you want to be free of the nanny state overseeing all your transactions, but the buck then stops with you - you can't go crying to some higher power when you mess up your security.