Protecting the consumer with chargebacks or regulations quickly becomes "Only big corporations can afford the risk of selling to consumers, small businesses can

Protecting the consumer with chargebacks or regulations quickly becomes "Only big corporations can afford the risk of selling to consumers, small businesses can't risk losing 15$ on every transaction (on which they also pay 3%)" I'd rather have a market protecting me with verified reviews and as close to zero costs for sellers. Not unlimited refunds that put small sellers out of business, leaving only Amazons and eBays.