I don't buy it. You're exposing your users to massive risk in order to detect fraud on a product that effectively costs $0 for you to provide. I might understan

I don't buy it. You're exposing your users to massive risk in order to detect fraud on a product that effectively costs $0 for you to provide. I might understand it for a retailer that gets chargebacks for physical items shipped, but that doesn't make sense here.