Or the seller can keep the funds, which can never be taken away, and not actually provide the user with any products or service. Chargebacks protect the buyer,

Or the seller can keep the funds, which can never be taken away, and not actually provide the user with any products or service. Chargebacks protect the buyer, at the expense of the seller (in case of buyer fraud). Lack of chargebacks protect the seller at the expense of the buyer (in case of seller fraud). For most online marketplaces protecting the buyers at the expense of the sellers may be necessary. There are usually a lot of buyers, they are reluctant about buying things they cannot see or touch from people they don't know, and most are not in a position to absorb the fraud. Meanwhile the sellers are usually companies that can absorb some reasonable amount of fraud because they can spread the cost of the fraud over the much larger number of transactions. That's not always the case, such as in situations where individuals are trying to occasionally sell items of value and they are not in a position to absorb the fraud. For those situations it may make sense to use an escrow mechanism, because non-reversible payment methods like Bitcoin may spook the buyers (and insufficient buyers may lower the overall prices, potentially beyond the cost of escrow). None of this requires anonymous payments.