I have an idea! Let's make broad statements based off the actions of a company with massive amounts of Cash on Hand. Consider that most merchants don't have mu

I have an idea! Let's make broad statements based off the actions of a company with massive amounts of Cash on Hand. Consider that most merchants don't have much of any cash. I know it's hard to believe because your world revolves around Starbucks and Apple, but put the iDevice down for a second and join the rest of reality. Merchants don't want risk. I know of merchants that do reasonably well, and a single chargeback is a real piss off. They (chargebacks) don't just cost money (you are out the money and the product), they also cost time if you try to dispute it.