[jasonlotito]

> PayPal doesn't care about sellers.

Credit card companies. And it's not that they don't care about sellers. It's that they care more about the card holders. Consider the protection they afford card holders for card-not-present purchases. 100% protection.

PayPal doesn't have some immunity to that protection. Open your own merchant account, and you'll have the same issues.

> I see it as simple piracy

When it's the card holder claiming a chargeback for an otherwise legitimate purchase, it's known as friendly fraud. Not so friendly. And generally, it's worse than piracy. Normally you are charged for a chargeback (not sure if PayPal charges you a chargeback fee). So in those cases, you actually lose real money, as opposed to piracy.

[jellicle]

Credit card companies have that policy because it's the law. Before it was the law, they didn't have that policy.

Debit cards are not covered by the same law. Some banks insulate debit card holders from losses, some do not.