That doesn't return your money to you like the credit card though. The irreversibility 'feature' of most cryptocurrencies makes it really hard to recover funds stolen through fraud... I guess that is a desirable feature for anybody performing fraud though.
Nothing is ever irreversible, it's just a question of how expensive it is to make the database writes. Ethereum forked the whole currency to undo a write (the DAO hack) and if the legal system can find a hacker they can make them reverse their transaction.
…But having someone with admin access over the network and can fix mistakes is just a lot cheaper than refusing to build that in for ideological reasons.
Most (but not all) things in life are technically reversible. But some things are so difficult or expensive to reverse that they are effectively irreversible nonetheless.
