That's why you have multiple wallets, which you can create with a click of a button. It's effortless to create as many wallets as required for you to feel safe.
It is just sooo much easier to get credit card information though. You literally give all of it to everyone any time you use it.
I don't really know why credit cards don't have a public/private key situation but they don't, so people are just stealing them constantly or applying for them with a bunch of stolen personal information and then running up your credit in ways that are pretty difficult to detect.
A lot of the fraud that is occurring today is because the systems we are using to transmit wealth digitally are inherently very insecure.
When the government wishes to make your life miserable and you have a credit card, they can call your credit card company and get your account frozen for reasons.
When the government wishes to make your life miserable and you have a bitcoin wallet, they have to do a lot more work if they want those funds.
When a hacker gets your bitcoin wallet, they can empty out your entire account.