All of you seem to be addressing this problem at face value...but the overall assumptions are wrong.
Yes there are worse online charge back senerios...are they under the same rules and restrictions.Are the ISPS for online auctions having to go through the same hoops Adult 3rd party companies are ..the answer is no.
All this is is Visa paying back the government for INCREDIBLY lienient banking regulations that they were given by congress.Their pay back is to tighten the noose..the money path.Justice Dept doesnt have the resources to crack downh on obsenity.FTC doesnt have the resources to crack down on fraud.So they want to slow the growth through the billing entities.
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