Chargebacks, approx $35 amount to a minor percentage and a is a risk to the merchant that pales in comparioson to that of the vast sums asked from the consumer.
Credit card fraud is assumed by the payment processor, not the merchant.
On what planet does that occur? You get a chargeback and you lose $35 PLUS THE VALUE OF THE CHARGE.
i.e. sell an $8,000 rig, get a chargeback, the processor is going to deduct $8,035.
Thank-you for pointing out the bleedin' obv. I do know how refunds work.