Earlier quoted context omitted.
All these can be the wrong assumptions for sure. Working in a space with some fraud though I can tell you the majority of users verify fine and there ate only the few percentage that don’t for any number of reasons some what you have given above. For smaller vendors though things to consider are - a charge back can come up to 6 months later. A loss of that is not only a loss of funds but a charge back fee - too many…
The problem is that it's not acceptable for online providers to converge on making life miserable for "a few percent" of people. This is a market failure: to save the cost of a few bucks, huge costs are imposed on these individuals. The answer is to have some mechanism whereby people who run into these issues can pay ( once ) the small cost of being validated in an alternative way (like, actually talking to a human a…
The externalization of costs onto customers is something I've noticed hard with the pandemic. Going to get medication at the pharmacy while fewer and fewer people worked and hours were closed, and finding out after the pandemic it's shitty still with multiple pharmacy chains having workers walk out and protest these conditions. As a customer - waiting in line for a refill can be endless. Being on hold in a call center, because you won't pay people enough to work your shit jobs, and handle issues locally, meanwhile, the time-cost is externalized on to us in longer wait times.
Workers/Customers lose, somebody's winning, but it ain't us.
(Again, this is NOT the same issue and not a complaint about the main topic).