I think you misunderstand the whole concept of P2P payment apps - it’s meant to be digital cash and replace physical money.

Credit cards can afford to protect you from fraud because of the high level of trust between companies and the point of sales - too many fraudulent purchases and they stop accepting the transactions. Not to mention the fees they charge to both the purchasers and sellers!

If you get scammed with a debit card, cash, or a P2P app, that’s a matter for small claims courts, and if you’re lucky, maybe the police will charge them with a crime. But the risk is on the individual, and that’s a feature, not a bug.