I understand. I prefer to minimize risk, though, so I don't use services like Uber/Lyft, and I stopped using Amazon and eBay entirely.

Interestingly, I stopped using eBay precisely because they left me stuck with a fraudulent charge. The process of trying to dispute it using their system was so drawn out, though, that by the time eBay told me to go pound sand, it was too late to do a chargeback. But even so, I'm certainly not willing to risk trusting them again.