But if I want to send money to a family member (as an "online transaction"), and I have concluded that I do not need chargeback protection, why should I have to

But if I want to send money to a family member (as an "online transaction"), and I have concluded that I do not need chargeback protection, why should I have to pay an extra fee to cover all those people who DO need it? I believe there's a place for non-chargeback online transactions. Just as there's a place for non-chargeback in-person transactions (i.e. CASH).