>>104590007The real reason is the ability to dispute transactions by claiming you didn't receive the shipment or whatever. It creates a lot of work and fees for the vendors and the vast majority are just bogus. The number of chargebacks aka friendly fraud with cars, in contrast, has decreased drastically in this space due to tech like 3D
PD Secure, confirming payments in app etc. because the payment processors and banks themselves also don't want the burden these cases create. Ofc cards have their own evils, but PayPal is the gold standard of quasi-legal fraud, and they have no reason to change because they just charge vendors for the privilege of getting scammed out of their merchandise while having to pay for it.
