Hmmm...I must be missing something. It is, at least, as useful as chargebacks, because a chargeback is a subset of m-of-n. I suspect companies will spring up to

Hmmm...I must be missing something. It is, at least, as useful as chargebacks, because a chargeback is a subset of m-of-n. I suspect companies will spring up to provide the service (and probably instant payments and other stuff) for cheaper than credit card companies currently charge, and with less intrusive credit history checks and such.