Since chargebacks due to fraud costs the retailer extra (thus they must do fraud checking and magic heuristics) as far as I understand, does that make it the cr

Since chargebacks due to fraud costs the retailer extra (thus they must do fraud checking and magic heuristics) as far as I understand, does that make it the credit card system's fault? Using a ton of different cards indeed would sound like a database leak to me, so with the retailer being liable for the user's and/or bank's failure to design a system under which the user can keep their credentials secure, this behavior being not allowed is understandable. This is all relatively foreign to me as a European who just pays with iDeal (Dutch system) that doesn't know fraud chargebacks or anything, and where it's on the banks (rather than retailers) to refund fraud from e.g. phishing so it's in their own interest to design a secure system, so correct me if I misunderstood something about how credit cards work.