The postal service delivers hate mail, birthday greetings, bills, junk mail and the occasional bomb all with the same efficiency. So does the Internet. Neither the security at the post office, nor the Internet concerns itself with content or the identity certainty of those sending and receiving the message. This is the heart of the problem. It is manifest in the very human behavior of lying.
People lie to one another.
Because the Internet is largely anonymous it promotes lying by making it easy. It is not surprising that the proliferation of lying results in transactions that fail because they are based on lies. In the chargeback situation there may be two kinds of lies. The first kind is someone who lies about their identity. They may be using a credit card that doesn't belong to them and lie to say they are the person it belongs to.