The trade-off is different, sure. Much like the trade-offs between using a gasoline vs an electric car are different. But it doesn’t mean it’s not a solution to sidestep private corporations needing to serve as global content gatekeepers.
For a class of non technical people having the bank or credit card company in this case help them reverse charges when they’ve been scammed, and they are at risk of being scammed for a significant chunk of their resources.
I get why crypto enthusiasts like the irreversibility but the inability to understand why someone would want a protected system with an arbiter over it feels like the same energy I get from engineers who can’t fathom why anyone would choose the walled garden that comes with Apple products despite ample evidence for their popularity with the average joe
