Dispute resolution, for non-fraud disputes, is completely orthogonal with fraud that happens due to insecure cardholder authentication. What if the seller goes

Dispute resolution, for non-fraud disputes, is completely orthogonal with fraud that happens due to insecure cardholder authentication. What if the seller goes bankrupt after accepting payment, but before shipping an order? What if they're an outright scammer? What if the buyer says they are, but the real scammer is the buyer? Somebody's got to figure all of that stuff out. The established card schemes provide a framework for that. It's flawed, it's taking a ton of automated and manual resources, nobody in their right mind would rebuild the same thing if given the opportunity from scratch, but it's there and it kind of works. That's a lot better than what crypto has to offer.