Stealing online has become easier

Since I wrote this essay about how simple it was for people to use the chargeback process to avoid paying for goods online, our bank has changed its policy. Before, we had a chance to respond to the chargeback before the bank took any action, allowing us to briefly entertain the fiction that justice was blind. Now, the bank has dispensed with that pretense, debiting our account the full transaction amount before we send our response. The presumption of the merchant’s guilt is now in black and white.

What is the point of this charade? The banks could save everyone some time and just state outright that merchants have no recourse if customers decide not to pay.