There are 2 sides to the problem. If you've ever run an online storefront, you know the frustration of scummy buyers who submit a chargeback after receiving their order. Sellers would prefer cash-like transactions that can't be reversed.

I don't think it's ideal to have the financial system effectively arbitrating disputes between buyers and sellers. If you bought something that didn't arrive or wasn't as expected, there needs to be a way to resolve the problem, but having a financial system that lets you request to reverse the payment and forces the bank to decide who's right, just doesn't seem great. I don't know what the better alternative is, but I'm sure there's room for improvement.