In America all payments are trivial to chargeback anyways.

We ought to have liability shifting. A long time ago there was a liability shift where if a merchant uses the magnetic stripe on a card equipped with a chip, then the merchant is unconditionally liable in case of a chargeback. We just needed merchants to be liable when the bank supported 3DSecure but the merchant chose not to use it.

They are everywhere. Default liability for online payments is and has always been with the merchant; only 3DS and some wallets can shift it to the issuer.