bitcoin has solutions already

using a wallet that has a HD seed

take the 12-24 words(depending on wallet). and use that for your main hoard/savings

then the easy part.. change the final word
now you have a fresh wallet aswell. get the address of the new wallet and fund a small 'daily spend' amount on that new wallet seed address

then if under threat give him the 12-24 words where the final word is the new word..(dont give the main(original) word seed)

or if you are using the old legacy private keys. just have 2 private keys. one for main hoard/savings.. one for daily spend/small risk amount

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more technical:
time locks do exist. multisigs too.
you can set funds that can only be spent in 10 days time using 1 key... but spent any time using 2 keys
but this is alot more involved in you having to do stuff to set it up and maintain the security (depending on how short the time locks you put on it)

so first idea is easier to implement, by just having 2 addresses. one with a small disposible amount your willing to disclose under threat

Not a good comparison.

Credit cards normally have millions of breaches, this is a major problem for them and so they desperately need that system in place(which doesn't work btw as breachers only have to drain the entire account to avoid having the remainder of a balance be limited). Crypto doesn't have this problem. You will never hear of cases that are similar and so there is little demand or incentive for developers to provide those features to its user base.

Credit cards also have many security flaws such as the vulnerability where key information can be stolen via palm scanner when credit card RFID support is active.

"Would you feel safer having $1 million dollars stored in bitcoin or as a credit card balance." That would make for an interesting poll btw.

Crypto need more development, for sure. And it will happen. But about centralized systems can offer security measures? No hope there.

to put what Franky said in a different way, with a bank you can have one or two account and put your money all there. you can't have 10 of them for example. but with bitcoin you can have thousands of wallets and addresses and use each for a different purpose!!! of course in reality you use one for cold storage, one for hot wallet and they are separate. the cold is a paper and hot can be your cell phone. the cold contains $10 million but your cell phone has $500 in it.

also as for your example, you will also encounter that limit. meaning you yourself aren't going to be able to cash out more if you needed it. so it is not always all good.