I don't think that was the main issue. Bitcoin's main use as an actual currency was for things like drugs, where the legal system wouldn't be on your side anyway. So lack of chargebacks wasn't an issue anyway.
The bigger issues with BTC is the onboarding problem, limited capacity and rapidly fluctuating exchange rate.
I don't think I said it was the main issue. I agree that it had other problems too, including the ones you name.
But I think you're missing my point. The anonymous, one-shot nature of things made it most appealing to only one set of merchants and one set of customers: people doing crime, and who were therefore most tolerant of the risks.
The onboarding problem is also partly a consequence of this. Because a bitcoin transaction is irreversible, and exchange can't just take a credit card payment and give you bitcoin.
The bigger issues with BTC is the onboarding problem, limited capacity and rapidly fluctuating exchange rate.