But that's because a company is extending credit to you, the customer, that money is being deposited next day or a few days at most into the merchant account. Without someone willing to be left holding the bag (credit card company) it's a bit of apples and oranges I think.

When credit card fraud occurs, I can assure you that it's the merchant taking the hit, not the credit card company.

That’s fine, it doesn’t change the fact it’s apples and oranges. There is no way to claw back money in BTC.