Bitcoin isn't a bank, it's a currency. You can't do that with the USD either, and you could build a banking platform on top of bitcoin to allow for chargebacks and credit lines.

The benefit of BTC is that when your bank mismanages their assets a la 2008, resulting in a bank run, you know your assets are safe instead of having to rely on the Fed to bail out your bank. Your money is in your control, not in the control of someone else.

If you don't want that, it's easy -- just don't buy bitcoin. But don't discredit it by comparing it to a credit card which it is not trying to be. The strawman is disingenuous and shows how little you understand the topic.