I'd love to see this problem solved too, but let's not do it by nerfing people's ability to charge back. Chargeback is pretty much the only tool consumers have to fight a merchant's fraud and abuse against them, and it's already an opaque, flimsy tool. Also, it only exists by the grace of Visa, MasterCard and American Express. I don't think there is any law that compels them to even allow a customer to dispute a charge (although hopefully I'm wrong about that).