It's a stack, though. Sure, no sex work consumer ever said that[1], but their bank sure as hell did. Which is why they had a handy credit card in their pocket with which they were able to easily pay OnlyFans, who were able to easily receive the transaction. It's about TRUST. Banks and consumers and providers work together to come up with a framework where fraud is so difficult as to be largely a vanishing concern for routine transactions.

And that's what you need in the crypto world. It's not enough to have anonymity. It's just not. And that's why this hasn't been solved yet. Keep at it.

[1] Actually some did, who was the starlet that produced a giant chargeback flood a while back by promising nudity she didn't deliver? I'm not the expert but I remember the story.