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What seems to go unnoticed in all this talk is the fact that the scammers and fraudulent practicing jackasses are the reason for this whole situation.
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How were these scammers able to pull off these scams? Who collected their money for them? Had to be primarily there credit card processor. Had the processors stepped in this would not be neccessary. I don't know how a webmaster can stop other webmasters from fucking people but their processor certainly can.You guys are on the front lines.You get the phone calls,emails screaming about a fucking no one could scam without their processor finding out at some point.You guys didn't stop it so Visa did.