'Friendly' fraud is a problem that was supposed to be solved with 3D Secure (Verified by Visa etc) but it still doesn't protect merchants for billing code 5967

'Friendly' fraud is a problem that was supposed to be solved with 3D Secure (Verified by Visa etc) but it still doesn't protect merchants for billing code 5967 which is what anything involving adult sites is typically billed on. If Visa/MC wanted to fix this problem they could overnight, but they refuse to.