> And it means the buyer can't exploit the asymmetry of one button click (to get a refund unless the merchant deals with a mountain of bureaucracy) You’ve obvi

> And it means the buyer can't exploit the asymmetry of one button click (to get a refund unless the merchant deals with a mountain of bureaucracy) You’ve obviously never done a chargeback or are intentionally being hyperbolic and disingenuous. The “buy” part might be close to one click, but the chargeback process certainly isn’t for most (all?) US credit card companies.