Disputes are not always fraud on customer side and it’s really not the job of the bank to figure out who is wrong. Imagine two wallets disputing the fate of a coin on a bazaar - does it really make sense? E.g. if content of the package is stolen at warehouse or something else happens, where you think you sent the product and customer got nothing, customer may dispute your point of view and request chargeback. There’s no easy universal answer here, so it’s better to look at it in a constructive way and factor the risks into the price. Of course, bank or payment processor can offer an insurance product in this case and include this risk in price of transaction instead of collecting the fees. But this is just a game with financial models and putting labels.