Credit card companies still charge merchants "charge backs" on bad transactions, because managing a virtual integer is so "hard" for them. By contrast, the post office returns an entire physical package to you if it cannot be delivered, and doesn't charge you anything for that.
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There are ways to shift the chargeback liability back to the acquiring bank if you implement 3D secure. However no one does this in the US because it kills sales more than it reduces chargeback fees.
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