>(People being responsible for their own purchases, imagine that?)
Why would you ever want to defend fraud? There is no justification for fraud on either side. Especially when first parties like Amazon stand to profit off of it and therefore do nothing to stop it.
I'm not defending fraud, I'm attacking credit card fraud and the terrible assumption that sellers must pay for bad policies of the banks or escrows involved in the transactions - policies which assume that people are children and are incapable of being responsible for the security of their own money.
Why would you ever want to defend fraud? There is no justification for fraud on either side. Especially when first parties like Amazon stand to profit off of it and therefore do nothing to stop it.