>> All these mythical user-protecting chargebacks are almost never used by consumers for refunds (companies who care about brand help them settling refunds) and almost always for the cases when you CC details got stolen and used by someone else.
Companies who don't care about brand and companies who have not yet established a brand are, however, somewhat indistinguishable.
The chargeback facility (among others) provides a cushion and safety net to allow consumers to transact in cases where they are less than 100% certain who they are dealing with.
Removing it would kill the ability of smaller businesses to transact as people like me would never give them any cash, and I would advise my non-technical friends and family to behave similarly.
I know this disagrees with your view on the world, sorry.
Companies who don't care about brand and companies who have not yet established a brand are, however, somewhat indistinguishable.
The chargeback facility (among others) provides a cushion and safety net to allow consumers to transact in cases where they are less than 100% certain who they are dealing with.
Removing it would kill the ability of smaller businesses to transact as people like me would never give them any cash, and I would advise my non-technical friends and family to behave similarly.
I know this disagrees with your view on the world, sorry.