definitely one of the downside of crypto but this also solves the issue of bad actors trying to scam sellers or other parties after a successful transaction, it's all about getting used to it.
I wouldn’t call this a down side of bitcoin because it is a general problem, you hardly have even banks or centralized exchanges returning funds after loss or hack or any scam. The fiat banks are even worse because they will certainly blame you for losing your funds after they are responsible for having your informations online. I would rather have my funds been held by me, if something happens I will have myself to blame rather than some centralized bodies.