If I were an airline I'd hook up a credit company middle man that pays the airline on reservation and owns the obligation. If the transaction on check-in doesn'

If I were an airline I'd hook up a credit company middle man that pays the airline on reservation and owns the obligation. If the transaction on check-in doesn't work, then the customer owns the credit company money, not the airline who was already paid. This makes it exactly the same as buying the ticket with a credit card.