it's cash, when you buy something with cash you don't get to take it back after you get home
Well, sometimes you do, consumer protection law guarantees that if it's defective or not as described.
It's hard to sell things online when you have to deal with card fraud and charge backs
How widespread is this, quantitively?
people use cash every day without any fraud protection
Yes - in face to face transactions where you can inspect beforehand and complain afterwards. And people are advised not to send cash through the mail because - guess what - it'll get stolen.
The credit card and a bunch of related non-cash systems like traveller's cheques were invented because travelling with or doing large cash transactions is a risky hassle.
Anecdotelly, I work in online retail, fraud is always a problem and we turn away business to avoid iff'y situations because of it and get attacked by streaks of stolen cards from time to time. Fraud is a real problem for merchants; you can't fight a charge back, you're out the money and the good and you just have to eat it and say thank you while getting killed on credit card fees. Credit cards suck for merchants, we accept them because we must, everyone prefers cash.
Well, sometimes you do, consumer protection law guarantees that if it's defective or not as described.
It's hard to sell things online when you have to deal with card fraud and charge backs
How widespread is this, quantitively?
people use cash every day without any fraud protection
Yes - in face to face transactions where you can inspect beforehand and complain afterwards. And people are advised not to send cash through the mail because - guess what - it'll get stolen.
The credit card and a bunch of related non-cash systems like traveller's cheques were invented because travelling with or doing large cash transactions is a risky hassle.