My bank handles card disputes very well imo. Basically I can start the dispute via my banking app and based on your past history the bank will front you the refund while they wait out the dispute.

Things like that happen when you have an intermediate handling the transaction, and personally for my day to day transactions I'm happy with using the existing banking system

BUT the existing system does have flaws in my opinion. For one example, sex workers, banks do not like touching that subject. Crypto removes the gatekeepers to electronic payment transfers, well it does until you want to convert it back to fiat and your crypto gets blacklisted by the exchanges. But me personally, I don't think crypto is the answer, but kicking banks into understanding that adults are adults and don't need banks holding the reins.

(Granted payments in the adult industry are some of the most charged back which becomes a pain for payment providers).

US experiences come to me like from an alien world, most of the time. Zoning laws messing with cafes, banks kicking sex workers, and this is only from the last 5 minutes HN reads...

And back to the topic: yes banks deserve some stronger kicks and that can be achieved only through politics (aka, getting involved). Cryptids only shuffle the burden around a bit.