To play devil's advocate, how could similar businesses make better decisions? For example, buyer/scammer "A" sends money via credit card payment to seller "B"s paypal/dwolla/freelancer/etc--"C"s account, who then withdraws the money to his bank. Buyer "A" then files and successfully gets a chargeback from the credit card company, who debits company "C".
Now C is wrongfully in the red, and they need to make it back somehow. Their only options? Either get it back from B's account or take the hit--which can really hurt smaller companies and startups.
What would you do in company C's position? It seems that the real bad guy here is the credit card company, TBH.