You may consider that a feature, but most people don't. As someone who has had to issue a chargeback in the past, I'm not about to give it up in exchange for solving a hypothetical problem that does not affect me. Chargebacks are not "censorship".

Fair enough. I still use my credit card for most purchases also and I too appreciate the ability to chargeback if needed.

Still, it is important to appreciate that consumers do pay a premium for this feature on all transactions built into the price because merchant account for the risk of chargebacks when setting their prices. I can’t estimate the amount of premium but I would guess it adds up to a few percent.