First off, you’re a liar. Not a single person on earth has never had their transaction rejected.

I think this situation is a lot less common than you think.

More to the point, use a debit card if that is your gripe. Then you can just deal with an empty account rather than a declined card.

Just like you’ve never had crypto stolen, I’ve never had a debit card stolen, so by our combined anecdotes both are equally secure.