[andiareso]

This is probably the best analogy, however I think what might be different is there is somewhat high of a bar for the merchant/vendor to be operating a legal and legitimate business. On the internet and in the App Store, it’s kind of a Wild West.

Edit: Maybe not globalizing App Store apps would resolve this? Or at least if you want to operate an app in a country, you need to incorporate in that country too? I think that might make it harder for overseas companies to get away with fraud.

[inanutshellus]

Sticking to his first point is sufficient: This is what credit cards themselves insulate you from. You don't need Apple to also insulate you.