First off, you’re a liar. Not a single person on earth has never had their transaction rejected.

I think this situation is a lot less common than you think.

More to the point, use a debit card if that is your gripe. Then you can just deal with an empty account rather than a declined card.

Just like you’ve never had crypto stolen, I’ve never had a debit card stolen, so by our combined anecdotes both are equally secure.

True, but it can be mitigated by simply calling your bank, telling them the transaction isn’t fraudulent, and then it’ll allow every transaction to that vendor going forward.

You’re a bad liar.

Sounds to me like you’re living in a third world shithole with a terrible banking system. Maybe in your case crypto makes sense as an alternative, but that’s not how it is in the rest of the world.