So you're really using credit cards as a proxy for a consumer-friendly (at least with regard to fraud/disputes) payments product.

Credit cards being more consumer friendly than bank transfers is usually an artifact of the concrete implementation, not the abstract concept. In many EU/SEPA countries, returning a direct debit is much easier than a chargeback in the US, for example. In some countries, people even consider credit cards as less secure because filing a chargeback takes marginally longer with most banks (and requires a letter as opposed to a single click in online banking).

If the digital euro is to succeed, it'll of course have to compete with cards on the usability side as well.