Onus of proof is on you that it needs to be solved, as the alternative exists and is working well. Think of it this way: I have my trust in US dollar (because everybody else has it too); maybe I could give the same trust in Swiss franc, or Emirati dirham, or South African rand — but why would I? US dollar already gives me everything I need.
> it does generally protect you from merchant data breaches
And from rogue merchants, too.
> the original merchant can post some subsequent charges
This has never happened to me; however my original point is that Apple Pay gives me better protections than regular CC, and it was given as a response to your point of "exactly the same dispute protections". Apple Pay is better since using it leads to fewer disputes in the first place; once the dispute is happening, the protections might be the same.