Monero Project admits thieves stole 6-figure sum from a wallet in mystery breach
(www.theregister.com)
Tell me you don't understand what you're talking about without saying you don't understand what you're talking about. It really sounds like you only get your info about crypto from headlines.
To go through each of your points:
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There are plenty of stable coins that are stable, such as USDC. Many of them exist for a multitude of different purposes.
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Non stable coins also can have different uses. Reddit, for example, had its own coin for a while, and Ethereum exists to allow for programmatic transactions (ie: you pay a program to do something, and it'll get done)
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While it is true that laws around crypto are nowhere near as mature, as they are very new, crypto offers its own consumer protection advantages over fiat. For example, as an attacker it's a metric fuck ton harder to get into a crypto wallet than it is to get into a bank account.
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What makes you think fiat currencies aren't controlled in the same way?
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Pick one. Both cannot be true at the same time. While it is true most crypto uses a publicly available ledger, you can only start tracing purchases when you know the identities of the ones holding the accounts. This is muuuuch easier said than done, especially given how easy it is to simply make new accounts with zero identifying info attached to them.
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If you're the kind to fall for Nigerian Prince scams, you're fucked regardless if you used fiat or crypto. Banks will not refund you over payments you yourself sent.