One of the main benifits of credit/debit cards is a charge-back, how would this work if you based it on Bitcoin?

Lately, with Bitcoin's price rising, fees are definitely increasing. Not (only) because of the sat/b, but as every satoshi gets worth more and more, the usage for smaller denominations (say, $10) becomes less and less worth it.

So any ideas on dynamic fees, based on price? I've seen some stuff here and there about ETH's own efforts to combat this, but with Bitcoin the need isn't a future one but a current one.

Note: this is not a topic of whether BTC fees are too high in general based on usage, so please no block size shills or "go use something else for micro-transactions", because I'm just curious on how this could work within Bitcoin.

Rapid adoption is short term expectation, and a lot of mass markets buying without education. After a couple weeks/month short term expectations and increase awareness of Bitcoin, including the current scaling issues, will trigger a large correction.