[mrguyorama]

Certain 3DS setups would shift fraud liability to the payment network itself. That is the only payment network solution to an entity that will happily sign off on clearly false chargebacks. Then they would themselves be fighting the institution agreeing to sign off on bad chargebacks.

[gingerlime]

Even when the consumer claims that they didn’t receive the product?

[mrguyorama]

Actually no, I am wrong, and duh, of course they don't take liability for "Not delivered".

The protection against that is the legal system unfortunately.