In this regard a UPI transaction is the same as a cash transaction. AFAICT it does not handle payment disputes. You can use a credit card if it provides protection against this but now you need to be sure the credit card company is not scamming you (say by charging you bogus fees). As far as I am concerned using a credit card changes nothing when it comes to fraud protection.
You have to remember to pay back your credit card debt before the clock runs out. Once you make a UPI payment the transaction ends there (because the money is debited from your bank account and you are not taking on a conditional loan). You don't have to remember to pay the UPI company anything after the fact. I hope this explains how UPI is different from credit cards.
Credit card annual interest rates can be as high as (or even higher than) 50%. This is not trivial, it can (and does) ruin lives. It is a type of debt (though conditional).
Withdrawing money from a credit card is taking on debt. Credit and debt are related concepts. Ask yourself this will you have to eventually pay interest on the borrowed money or not?
You can have other (non credit, say savings) bank accounts for security too. It's just as easy (or easier) as getting a credit card here (in India).
Does YouTube know we have ADHD even before we do? This was in my recommendations this week. I did not think I had ADHD since I am rarely hyperactive. But everything in this video fits me to a tee. Been looking for adult ADHD treatment here in India but apparently every single one of them is a pediatrician.
D was doomed from the start. It was designed as an incremental improvement over C++. Initially it provided refuge to burnt out C++ programmers like myself. But once I discovered Rust there was no coming back.
Rust takes its fundamentals from more advanced and well thought out functional languages. As a result it outclasses D and its ilk.