That depends entirely on the currency.
Ethereum l2 has way lower (less than a tenth) transaction fees than credit cards and barely has an impact at all on the environment because there is no mining.
And cryptocurrencies do have consumer protection services but no one ever uses them.
More importantly, however, Visa and mastercard collude and boycott japanese anime and manga websites because they think anime and manga promote gender stereotypes, so credit cards can fuck right off.
I would probably argue the opposite. What is the purpose of a community where no actual discussions are had, and people just look at and upvote memes?