Whether it's a "flaw" is in the eye of the beholder. I have confidence buying from questionable online merchants using a credit card because I know I have a re

Whether it's a "flaw" is in the eye of the beholder. I have confidence buying from questionable online merchants using a credit card because I know I have a recourse if they are deceptive. I would say it's more of an issue of incompatibility between the systems rather than a real "flaw" in either.