Based on the comments above (http://news.ycombinator.com/item?id=5259876 http://news.ycombinator.com/item?id=5259876), it seems like Bitcoin is just allowing me

Based on the comments above (http://news.ycombinator.com/item?id=5259876 http://news.ycombinator.com/item?id=5259876), it seems like Bitcoin is just allowing merchants to kick the chargeback risk down the road to the Bitcoin exchanges.