I don't think it is practical for crypto to copy the credit card business model. Credit card companies are able to investigate and verify fraudulent activity (and often detect it before you do and sometimes prevent it) because all purchases are tracked so closely. Also, credit card companies are able to shield you from lability because they can afford to. There are fees to vendors for using the cards (plus interest to the user if they aren't just using debit and not paying everything back at the end of the month). For crypto to copy this model would negate the advantages of crypto.