I was trying to think of the solution to the whole 'no chargeback' Protocol when I started using Bitcoins. I find that I never really spend any significant amount of Bitcoins and one of the reasons is if I get a bad deal I can't do anything (if I'm dealing with someone sketchy). If I'm looking for cheap electronics on eBay and I'm assuming a few cords won't work when I get them, I don't have to worry about their 97% feedback, I'll just say "2/10 of the cords don't work, send 2 more" and 2 more are sent. I find that if I were to deal with someone on bitcointalk and they have 97% reputation I would just avoid them entirely and not waste time/effort. I know people use a lot of escrow services on here, but what do you do in real life? "Go to bitcointalk.org, set up an account and send this guy $350 in BTC then I'll ship it out to you". It seems just as sketchy if not more sketchy to a random person and the deal is over before it starts.