There is bug hinted in any system whatever Paypal or Apple Pay, while the security system is safer, however, any payment besides Bitcoin is connected with banks. Once controlled by banks, the payment can't run away from the bank system which is not safer than the block chain of Bitcoin.
I see where your head is at but regulations, chargebacks and insurance make fiat far safer them Bitcoin in the present day. That may change making decentralized the best choice but at least for the meantime it's a fantasy to think otherwise.