[nohat00]

> It is a very American problem

This is laughable, as North America has the lowest chargeback rate of all the global regions. This is just biased and ignorant anecdata.

> It is only a problem in a society with a high level of crime and little or no consequences.

If you're going to make nasty anti-American claims, you should at least back it up with real data. The facts are that chargebacks are a bigger source of fraud loss outside of North America than inside it.

> Even if people did do so they would be punished quickly.

This is not how credit card fraud works.