The problem there is, nobody likes using escrow for everyday things. Example: Renting a car. The rental companies want a way to recoup costs from any damage yo

The problem there is, nobody likes using escrow for everyday things. Example: Renting a car. The rental companies want a way to recoup costs from any damage you do by, e.g., smoking in the car. They give you two options for how this can work: You can either pay with a credit card, which has a way for htem to do that built-in. Or, if you don't want to pay with a credit card, you can give them a bunch of extra money to hold in escrow. Guess which option people basically never choose, when both options are available to them. I would assume that merchants feel similarly about chargebacks vs escrow, and for similar reasons.