Even nobodies have the right to be dealt with fairly and receive their money back if the company dealing with them has fouled up. We've seen again and again in the bitcoin world that companies with truct built up can either take the money and run, or just fail miserably. Consumer protections are a god thing.

Chargebacks themselves are a necessary part of the trust infrastructure you talk about. Not just for new merchants, they keep the established ones honest too.