what fucking safeguards, lmao, are you aware how common it is for people to lose money on their credit or debit cards? the banks will not protect you, and if this situation has not taught you that i do not know what will.
crypto is already used to support organisations in opposition to governments where it is unsafe to do otherwise. if you are too privileged to be aware of that fact, maybe you shouldn't be engaged in such discussions.
we do not live in the world where these systems are properly regulated. it is time to find alternatives that work better than what exists.