And these systems exist because sellers do fraud too, merchants that don't ship after taking payment, etc. With irreversible payments through crypto you are just pushing all the risk on customers. That will never fly.
Why, oh why is it so hard to understand the concept of multiple alternatives?
The customer chooses the mechanism, not the merchant. To best credit cards you'll have to be more customer friendly.
And if you are talking about internet retailers, can we make an exercise to think of how many new businesses would be viable if transactions of 20 cents were a thing?
Banks do credit worthiness checks as part of business.
Movie theaters actually do keep a banned list and enforce it.
If you literally are getting banned from grocery stores and starving the answer is probably "the prison warden has a legal duty to feed you".
Your landlord asks you to post a security deposit.
We literally have an entire credit worthiness sector.
You can also invert this and take trust as a default and only ban misbehaving customers.