> These measures seem like a way of banks shifting the responsibility for fraud onto the customer. Onto the vendor, not the customer. The customer can chargeba

> These measures seem like a way of banks shifting the responsibility for fraud onto the customer. Onto the vendor, not the customer. The customer can chargeback anything instantly, and the vendor is on the hook for the fraud. It's intentional, so the banks and payment processors can make more profits. By making it easier for customers to chargeback, they incentivize customers to buy more stuff, by getting the customer to feel more comfortable charging everywhere. Charging more stuff makes payment processors more money.