I have been spending plenty of mBTC in the stores (shopping, flights, hotels) that accept it such as Overstock, Abitsky, Destinia, etc. and my experience there has been way more comfortable than shopping with credit cards or even Paypal.
I keep all my BTC/LTC/ETH in Coinbase wallets, and whenever I want to send money from those wallets I need to go through multiple 2FA prompts. My debit/credit cards have never required anything more than a static number to be used online.
If my Coinbase wallet account is hacked because I use a bad password, can I get anything back? If Coinbase as a company goes under, what happens to my bitcoins? If I accidentally send cryptocurrency to the wrong recipient, how do I reverse that transaction?
As somebody living in the USA who doesn't transfer funds internationally, I'm quite well covered by existing banking regulations: I'm struggling to see how Bitcoin is 'safer' for me in any way.