> So basically there is only mainstream benefit: removing chargebacks.

You mean mainstream disadvantage.

I think most people using VISA are happy that they won't lose all their assets to fraud or theft of their credit card. Mainstream retailers accept a certain amount of fraud as a cost of doing business, only disruptive or greymarket vendors face significant risk from chargebacks.

Removing chargebacks is a positive benefit to a tiny fraction of the participants in legitimate financial services.