Is that meant as a positive or a negative, as chargebacks help the consumer, as does non-repudiation. The general public wants these features in our exchange mediums.
It forces arbitration with the business in the case of a dispute. Wouldn't payment processors and businesses want that?
Consumers don't want that.
You can build a system that allows charge backs on a system that doesn't allow charge backs but you cannot build a system without charge backs on a system that does allow charge backs.
These escrow products already exist for customers on Bitcoin.