[tzs]

You've missed the point by concentrating too much on the detail that it was a lost credit card. Just change it to "I bought $5000 worth of equipment online and the seller shopped cheap junk instead and then disappeared".

Bitcoin: too bad for you.

Credit Card: chargeback. Either you get the $5000 back from the seller, or from his merchant account provider if their risk assessment folks didn't set a high enough amount to hold back in reserve in his account. (Or rather, you get it back from your card's issuing bank, and they get it back from the seller or his merchant account provider).