I'm tired of these giant companies having their cake and eating it too. These companies have structured themselves in such a way that it's win-win for them, and lose-lose for the customers and smaller businesses around them.
With great power comes great responsibility.
The problem is that for any of the new security features of cards to drive any of those kinds of changes the old mag-strip style of card authentication has to be deprecated and removed - which is likely not going to happen in the next 20 years.
Visa and Mastercard (and the layers between them and the merchant) have tried pretty hard to apply financial pressure (extra fees) to promote chip-only transactions and it still hasn't stopped mag-stripe from reigning supreme.
We're basically in an IPv4 and IPv6 situation in the payment industry =/
The ability to do charge backs will probably disappear in future. When the system was created we didn't have the same ability to authenticate cardholders that we do today and many jurisdictions didn't have small claims courts.