If fraud is such a problem for stores would it make sense to offer a discount for payment methods like bitcoin that don’t allow chargebacks? This could reduce the cost of doing business by gaurenteeing payment.
This is an excellent idea to prevent revenue loss caused by false positives, which are rampant IMHO.
It's beyond me why so many merchants opt for the revenue-losing and customer-hostile choice to silently cancel flagged orders and let their competitors run away with the money, while they could easily get a safe sale by making a non-negotiable offer to use an irreversible payment method when a credit card gets flagged.
This reverses the trust issue, it's then up to the customer to determine if he trusts the merchant enough and is willing to give up the additional protection that a purchase on a credit card may offer - some of which the merchant may offer instead - to get the item he wants.
