It's pretty much just "mail fraud, but on a computer." Banking transactions are the exception, not the rule. Most ordinary transactions aren't reversible by a central authority. You traded your baseball cards for some magic beans, well, enjoy your magic beans.
People intuitively understand that they shouldn't put a stack of twenties and hundreds in an envelope and hand it to a stranger in a ski mask who promises to pay it back with interest overnight.
But people have been taught that electronic money transfers are risk-free with chargebacks and insurance, so they think that if this is a scam, it'll be the bank's problem.
You wanted to be your own bank, guess who's problem it is now.
The real problem is that people don't understand that, so they do with their Bitcoin what they would never do with their jewelry.
People intuitively understand that they shouldn't put a stack of twenties and hundreds in an envelope and hand it to a stranger in a ski mask who promises to pay it back with interest overnight.
But people have been taught that electronic money transfers are risk-free with chargebacks and insurance, so they think that if this is a scam, it'll be the bank's problem.
You wanted to be your own bank, guess who's problem it is now.
The real problem is that people don't understand that, so they do with their Bitcoin what they would never do with their jewelry.