In such cases, Bitcoin and other cryptocurrencies are very useful and beneficial because once a person makes a payment to you and it gets confirmed, they can't do anything about it because you can't do chargebacks or disputes in cryptocurrencies since it goes into the blockchain and can't get taken back. 
Chargebacks would introduce the middleman (third party) into the system. The idea of Bitcoin was to remove the single point of failure. It should be treated as cash. Not as a credit/debit card account. Otherwise, BTC would become centralized.
Satoshi wanted Bitcoin to be used as "Peer to Peer Electronic Cash". But unfortunately, it took a different path. Most people use it as a store of value instead of digital cash. Part of this has to do with market price volatility, and limited transaction capacity. If BTC was the world's standard unit of account and it had ample block space, all of these issues would've been solved. I guess dreams don't come true. At least we know Bitcoin won't be going anywhere. So long as there's 1 node and miner supporting the network, there should be nothing to worry about.