But shouldn't that be handled on a commercial level? Riskier site, with higher chargebacks or less identity verification (like the historical no-signature-prese

But shouldn't that be handled on a commercial level? Riskier site, with higher chargebacks or less identity verification (like the historical no-signature-present) get charged higher rates and fees. This already happens, but the rates could be even higher if needed. There doesn't seem to be any need to police content, that is just factored in the risk and thus cost of service.