You should get an Amex. (I've had little issue with various Visa/MC issuing banks, though. Quick and easy.)
> Secondly, in the real world, any vendor like Amazon or Ebay or Uber or Lyft will immediately freeze the user's account if a dispute is initiated, barring the user from using the service.
In most cases, shady vendors are a one-off concern. If I'm charging back, I'm probably not buying from them again.