Indeed. It is one thing to use a debit or credit card where the bank takes most of the fraud risk. It would be another thing to use some sort of bitcoin card where the person who ends up paying or sorting out the mess if it goes wrong is me.
So instead you want a
private company like Mt. Gox to hold your hand if anything bad happens?
What happened to self responsibility.
Making a Mt. Gox like company in charge of chargebacks and disputes is an accident waiting to happen.
You are basically putting that private company at huge risk of having funds seized or stolen.
Then you want to rely on them for chargebacks??? That's madness. You are giving a private company, without any oversight, the ability to manipulate transactions. They can steal merchant's and consumer's money using the chargeback model. It's ridiculous.
Just dont use Bitcoin Credit Card for risky transactions. Use it when buying a coffee. Use it when buying groceries. Use it when buying furniture. Don't use it to order things online or over the phone. That simple.