[andrewfong]

Seems like the legislative solution then would just be to shift (at least some of) the burden to the credit card processors then.

[silviogutierrez]

I agree. It's a tricky problem. Chargebacks are really easy for the consumer - too easy. There has to be a happy medium, but I can't quite think what it is.

Bitcoin, on the other hand, is sided on the other extreme. The merchant has almost all the power. However, the merchant still has a reputation, which might be sufficient incentive.