ok but my credit card has second security stage
And so do crypto exchanges, where many newbies store their coins. The whole point of bitcoin is to "be your own bank" and not have to rely on a third party to look after your coins for you. You have complete control over your own money, which is very powerful, but yes, also risky if you don't know what you are doing. If you weren't confident in your ability to securely hold your coins yourself, then you should either of spent more time reading and learning, or handed over your coins to someone else to look after on your behalf like you do with fiat and banks.
I just wanted to say people who created electrum should be more responsible for security as bitcoin is not protected at all.
Bitcoin is far more secure than fiat, provided you use software properly and properly secure your wallets. If you download a program and then ignore instructions and use it incorrectly, I'm afraid the fault is with you, not the developers.