I could not disagree more, as someone who operates a niche ecommerce business. The longer I exist, the more reputation I have. But every single customer I sell to is a new risk, and the credit card companies fob all the risk onto me. Crypto payments (which I accept as an option) are great because I have no risk of a charge back a month after I shipped. The risk of being scammed is so much more about anonymous customers than it is of businesses, who need repeat business and word of mouth.