In fact, it's much easier to steal someone's credit card details which get transferred around and stored all over the place and are embossed on a piece of plastic you carry with you in your wallet.

We just happen to have a grossly expensive and unfair insurance scheme on top of it that indemnifies consumers against their own stupidity and carelessness. In the future, such a scheme, if so desired, could certainly be added on top of Bitcoin or other blockchain technologies as well.