I fail to see how "there is no security, but once your money does get stolen your bank might give it back" is a win for the consumer. 3DS usually means clicking

I fail to see how "there is no security, but once your money does get stolen your bank might give it back" is a win for the consumer. 3DS usually means clicking yes on a popup on your phone or at worst typing a 6-digit code you got via SMS. It adds maybe 15 seconds to your payment, which when totalled over a year of payments doesn't even get close to having to call or go to your bank and deal with chargebacks and/or insurance.