Is there any Crypto that can be used for refunds due to fraud? That's my major concern. Until then I'll be stuck with Visa/Mastercard/Paypal etc.

Something like escrow smart contracts?

How can you trust it? Like how does it resolve if I got my Weird Al toupee from eBay? Is it if someone shipped me a box? Smart contracts make sense when there's a large, public event.

You could use a trusted arbiter key and both parties have an open choice to find a mutually acceptable arbiter.

This. So basically like Visa/MC nowadays, except optional and you’re not locked into the one you’ve got your card from.