It would be so easy to stop scammers if international transactions were insured and reversible. Governments just don't care at all about stopping scammers.
Say you run a gift card scam.
Victim buys $100 in gift cards and provides you codes.
You sell the $100 gift cards on a marketplace for $75.
A completely unrelated person buys the gift cards for $75 from you.
That unrelated person is satisfied, they got $100 for $75. They got a deal. You got $75 from a happy customer.
The loser is the person spending $100 in gift cards.
Other scams require you send money to a domestic “mule”, who then sends the money along not realizing it.
1. Acquire stolen ccs
2. Set up web shop (or Amazon/eBay account) with attractive deals
3. When an order comes in, purchase the ordered item elsewhere using a stolen CC and have it sent to buyer
The clueless buyer will be the one under investigation for cc fraud.