Chargebacks seem like one of the worst ways to deal with it. If you're that afraid of losing money this type of transaction probably isn't for you.

What seems to be the biggest failure with most of these companies is setting the expectations right. It also seems like a subset have good intentions, but lack the experience and/or ability to execute. And an even a smaller subset are actual fraud.

Edit: I would think that if it's proven fraud then some other form of legal action should be taken. It'd be interesting to see if that should be on Kickstarter or not. Perhaps they should step in on such cases to protect their customers.