I'm not sure what Bitcoin equivalent of "leaving cash on the street" you're inferring. It might be helpful if you elaborated on that.

Bitcoin's non-physical nature (as compared to paper and coin currencies), I think, makes it more of a metaphor to a bank account or debit/credit card than a currency. This likely is a UX flaw, as you state, but it's a pretty big flaw.

And credit cards, in most jurisdictions, have lots of protections against theft and fraud, as well as consumer protections like chargebacks and transactions are reversible, of course.