That $20 chargeback fee is still cheaper than what you'd pay for the necessary Bitcoin transaction to send the money back in that situation.
In Paypal, you're paying for administrative time and the legal situation around the chargeback. In Bitcoin, you're paying for the legal situation only, if there is any. If a chargeback for a low-value item is requested, the merchant is encouraged to accept it.
And through all of this, we've been talking about the old, slow, outdated system known as "PayPal'. The future is pure digital currencies that are not based on blockchain.
Could you clarify the distinction between a centralized digital currency and Paypal? From what I understand, they appear to be essentially identical, just labeled differently.
Blockchain-based currencies are simply non-viable for mainstream transactions.
I agree. They are predominantly useful for situations requiring privacy or when transferring funds internationally.