I will respond accordingly
1. Bitcoin is not easily understood by people with no knowledge of it, at such scam and fraud is high on them.
Scams and frauds has nothing to do with bitcoin. Even when using you regular bank app and internet there are scams and frauds lurking all over the web space, do you then go ahead to call your bank a scam and a fraud. Please separate the act from the product or project.
2. No refund to anyone who incurs loss through keys, seed phase or fraud.
If you pay attention to details and follow the conventional rules and regulations guiding the using of bitcoin or should I call it the code of conduct, then you will not run into any of these issues or be a victim.
3. Privacy- bad people trying to give bitcoin bad name by faking bitcoin apps and site.
There are phishing sites for credit card fraud and what have you. so, it is doesn't only happen in bitcoin. There are very bad and terrible people all over the internet seeking to reap where they did not sow.
5. Price vitalities - bitcoin price is unpredictable and nobody as monopoly of the market.
This is why they always say "Not financial advice" in addition your investment and interests in bitcoin should match you financial and personal goals to be able to withstand market volatility.