The biggest issue this brings up is adoption.. The Fraud and Theft protection that banks and credits company's provide is the main advantage they have over crypto and it is a big advantage. Every scam and theft hurt cryptocurrency adoption. If we ever plan to make Bitcoin or any coin for that matter widely accept, protection o some type need to be considered. Simply saying "Well they should know better." is not an acceptable response to theft.
If cryptocurrencies are going to be a globally accepted currency, they need to be usable and trusted, by those who may not know anything about computers other then checking their email.
The "you should know better, but we ban everyone we can catch"-approach seems to work for steam. Last time I checked they did not have problems with "adoption". Well they also restore your items in some cases... so you might have a point anyway.