I already did.

Your question makes sense, because the way bitcoin was build is a trap. It's not fungible and the blockchain is transparent, which makes it unusable as money.

It's not fungible, so it can be censored. Credit cards do not aim to change the monetary system. Bitcoin does.

It's traceable.

Bitcoin being open source doesn't change the fact that it's lacking in privacy and being fungible. So the question is valid.