[Keeeeeeeks]

It's not even about financial responsibility; I'm in no way advocating for chargeback fraud, but people overwhelmingly win disputes and the way these payments are processed promote ease-of-use and ease-of-disputes.

Crypto companies could default to push payments and/or micro-deposits for verifying ownership of a fiat instrument, but people want their coinz now and that causes friction that shrinks user activation funnels.

Merchants have to keep their CB ratios under 1%, or else Visa/MC/the bank processing their fiat will fire them. Bank fraud analysts probably have their own bank-side incentives to give customers the benefit of the doubt, and it's too easy for someone to maliciously load up on 2+ months of purchases, walk to their bank, state "I've never heard of Bitcoin someone hacked me and bought $6k in crypto I need that back", and win.