Isn't the real issue that Paypal lets both consumers and businesses receive money, and consumers are far more likely to be fraudsters - receiving money and not

Isn't the real issue that Paypal lets both consumers and businesses receive money, and consumers are far more likely to be fraudsters - receiving money and not sending goods or requesting chargebacks for goods they have received etc. If you use a credit card merchant that does more vetting of the seller side businesses, they're more likely to give you the benefit of doubt if you start getting chargebacks and not lock everything.