And that's fine, the majority of the current generation will stick to traditional banking out of fear. Maybe it is safer that way you are right. Let's not ignore the fact the crypto technology is actually safer as a whole, the method of transaction is order of magnitudes more hardened with private keys and signatures, and also more flexible. BTW cryptocurrencies and also smart contract networks does support rollback as shown in the Eth vulnerability that was exploited years ago. The irreversibility is a feature. We figured it is safer to adopt a push approach to transactions like when paying with cash rather than a pull approach used with debit/credit card, and that making the transaction not reversible leads to less fear from the creditor and promote fluidity. If reversibility is desired, multi sig and escrow exist. They are as rarely used as on eBay, because for most transactions we don't care. Nothing is perfectly safe you are right but humanity, despite stickiness to what is tolerable has always eventually adopted less understood but more enabling technologies when they prove to be superior in so many respects.