By what process that you have ever done does a chargeback take 2 seconds, or anything less than 60 seconds? At best it would be: * Meticulously file your receipt for purchase. * Log on to bank/credit card web site * Find the correct process for a chargeback * File the required form, uploading the receipt in the process.

This is at least 60 seconds. At best. And normally, much longer, especially if you add up the time you spend meticulously filing all receipts.

I don't think it is asking too much that a third party (like FedEx) engage in transaction assurance for Internet purchases. They can get a slice of the pie (they do anyway.)