It isn't intrinsically theft prone, the UI around using it is just not up to snuff yet. Credit cards, on the other hand, are intrinsically theft prone. They are a pull architecture. Every time you use your credit card, the store takes money from you. This is patently absurd, and the only reasonable definition of 'theft prone'. Bitcoin is a push architecture. You can never take my bitcoin, I can only send you bitcoin. Further, irreversibility is definitely what you want in the underlying protocol. It's fine if people want to implement escrowing and chargebacks via intermediaries on top of Bitcoin, and I would encourage that. But at a fundamental level, a payment system should be irreversible, immutable, uncensorable and push-based. Which is exactly what Bitcoin is.