You still aren't accounting for the case of things sold in the future, like event tickets.
That's a unique situation because the event organizer (or kickstarter inventor, or travel agent, etc) needs the money now to invest in something they may not be able actually provide. That isn't dishonesty, but a question of competence plus the uncertainty of life.
Those types of businesses rely on loans. The money has to come from somewhere, and be spent before the product is delivered. A payment processor is not in the business of giving loans.
Event tickets are easy to account for. Just specify who carries the risk in case the event is cancelled or the customer can't go the the event. The money can be reimbursed. Happens all the time.
The only problem is when the merchant is dishonest. Also too common, that's really a legal and regulatory matter, because there are always ways in which sellers can break the law.
That's a unique situation because the event organizer (or kickstarter inventor, or travel agent, etc) needs the money now to invest in something they may not be able actually provide. That isn't dishonesty, but a question of competence plus the uncertainty of life.
Those types of businesses rely on loans. The money has to come from somewhere, and be spent before the product is delivered. A payment processor is not in the business of giving loans.