a serious business, a credit card processor, and a debt collection agency and you're good to go.
of course, why would a serious business get involved with bitcoin at this point...
What're you going to give to your debt collector when an order for 10BTC with a stolen credit card comes in?
High fees doesn't really fix anything, as it alienates legitimate customers and leaves you with higher volume of fraudulent orders.
The only way I can really think to do it is to have hold times on the first order on a new card - but if people wanted long waits for their Bitcoins they'd probably just go the bank account->exchange route.