In my understanding:

1- visa is not final settlement, you are not comparing the same same things (if you want to use visa you should compare it to lighting or cashu)

2- btc sent via the network is btc, no need to verify anything else. If I make an invoice or make a wallet address just to receive your payment and it is paid, I know it’s you

3- here I think you have a point. I guess in a world where we all use btc and there’s no fiat anymore this problem will not be present (but until then I believe you have a point)

4- cannot be damaged in any way. You can damage a gold bar, a house, land or other. Btc cannot be damaged in any way. Worst case scenario you lose it but that’s a different story