Crypto lets you decouple trust from ownership, that's one of its main selling points.

You can have a Visa-like network that supports chargebacks, but design it in a way that the dispute arbitrators cannot seize your money. If you report a transaction, they can either decide to release the money to the merchant or return it back to you, but the contract logic prevents them from doing anything else with that money. If both sides agree that the transaction has successfully taken place, it can be released automatically, despite the arbitrators' wishes.

This is something you can't do in trad fi, so we use laws and legal contracts as "hacks" to make it somewhat possible.