I think one thing that people are overlooking, is that VISA is the one who makes the rules regarding chargebacks, so their "high risk" factor is bullshit.
If they did not allow jerk-off surfers to charge back so easily, there would be a lot less problems IN GENERAL. I think there are lots of other things VISA could do to secure the system opposed to just laying it all on us.
Do they think they're fucking God or what???
