I've been reading this badly comparisation with Bitcoin and all other payment methods. (Visa, Mastercard, Apple Pay, Alipay...)
Bitcoin has created 10 years ago. There is no regulations about it. It is all new area. Decentralized, it can't control from anyone. So we haven't met like this one before.
Visa, Mastercard, FIAT, Apple Pay, Samsung Pay, Alipay... They have advantages. Firstly all of them has a regulations about payment, store and banking... Also they've controlled from someones. People thinks if anything will be happen, they will go ask from them. Also, they have a legal protection. They can sue against it.
But we are learning about yet. We still don't know if we have legal protection or not. Actually, we are just experiencing yet.
So if you must to compare Bitcoin with something else. Make this comparisation the first then year of Bitcoin and that thing.
For example Visa (mostly compared with Bitcoin) was established in late 1958. And it started their international size of work in 1974!
[Bitcoin has made it in a few years].
You can read all history of Visa here:
https://usa.visa.com/about-visa/our_business/history-of-visa.html