You can think whatever you like...
Thank you.
... but the fact remains that credit card transactions remain reversible for many months since a customer can refuse the charges and, depending on the contract that the merchant has with the credit card processor, the merchant can lose those funds.
Are you a citizen of the USA by a chance? These guys always think that rules in the USA are universal rules working in the whole universe.
I don't particularly appreciate the blanket statement in regards to Americans and how we 'always' think the law and rules stateside resonate throughout Mother Earth. Perhaps the aforementioned overgeneralization and similar lines of thought work harder to perpetuate what, unfortunately, ends with contagious stereotypes. I would venture to guess that you nor I are that uncultured.