I've been hoping for years a class action lawsuit because of that would get started by someone.
Sign me up!
Sadly what the bank has told us is that we should charge an extra 10% across the board for all orders to cover our losses due to chargebacks.
What's basically happening is that everyone is passing the buck forward. The CC companies push the burden onto the merchants, the merchants push the burden onto all the customers, customers start to feel that if they are paying extra then they are more likely to issue a chargeback instead of trying to work with the merchants.
The entire system needs more accountability. Merchants who are paying more for "risk (e.g., higher rates, larger reserve requirements) should also get some benefit from that. Customers who have a history of filing chargebacks that are reversed should have to pay for the chargeback fees (instead of the merchant).