The solution to that is requiring your PIN, 2FA and ML-powered suspicious transaction alerts for each transaction. It's actually not as cumbersome as it sounds and takes less than five seconds at its best; UPI in India has perfected it.
Another reason for chargebacks is fraudulent merchants. If somebody sells me a fake item, I highly doubt they are going to willingly refund me when I complain to them about it.
That should either be handled by a court or customer protection action agency, or by your private insurance (basically like how it works with cash transactions)
Baking it into the payment processing warps the whole situation.
