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Well from what I've heard folks in US frequently revert credit card transactions, something almost impossible to do with same companies in Europe for example (tried it once, got automated feedback email in 2 weeks and nothing happened).

Just life frequent insurance accidents, this raises overall costs. May be some other forces too of course

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It is possible in Europe with credit cards and with SEPA Direct Debit (commonly used for recurring debits such as subscriptions), but indeed regular bank transactions are difficult to reverse. To me this is the big benefit of credit cards and Paypal: it gives the consumer real leverage when disputing a transaction, and it shifts some of the burden to resolve the issue to the vendor.

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