[Nursie]

Chargebacks are quicker and easier than trying to drag a vendor through the courts, especially when your only relationship to the vendor is online, the vendor may be in another country and they may have just packed up and disappeared, or for whatever reason it is they just don't have the money.

Further, under UK law, the credit card issuer is a party to the debt and acts as a guarantor - they're on the hook if the merchant does somehow manage to get away with the cash.

>> Doing a chargeback already implies that one of both sides is committing fraud.

Yes, and we have thousands of years of 'Caveat Emptor' shenanigans to point out just how necessary consumer protections are in this space.

>> If an online shop is committing fraud we trust the police to get our money back.

Then you must be prepared to wait a long time and frequently be disappointed.