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Why do you think that Bitcoin fraud would be handled differently that fiat currency fraud; that is, by offering credit, doing chargebacks, and so on, just like people do with fiat currency?

I mean, it's not like we don't have options like wire transfers for transmitting currency without the possibility of chargebacks; but as you notice, most people choose to use credit cards, which offer the buyer protection, rather than using wire transfers for purchasing goods online.

Bitcoin isn't a particularly good payment system, and I can't imagine that most people will wind up sending Bitcoins directly as payment for the vast majority of purchases. It's more of a replacement of bank transfers or wire transfers, which are used in particular specialized circumstances but not by the average consumer.