Legal liability might not apply in the US. But card network rules still apply, and as far as I know even in the US those still very much require the merchant to

Legal liability might not apply in the US. But card network rules still apply, and as far as I know even in the US those still very much require the merchant to ensure the goods are delivered as a condition of keeping their money. Disputes/chargebacks is the very last remnant of "consumer protection" in the US that actually works - which is why nobody with money is actually incentivized to spread good words about it, and as a result it's not common knowledge even on HN.