Danny makes a good case that purchasers want credit in the form of reversible payments. Merchants are willing to extend that credit to drum up more business and establish their integrity. Ultimately the merchants want money (e.g. e-gold), but in the meantime they are willing to take a calculated risk.
You know what though ..... IMHO as we make the large cultural shift from the nanny state of the 20th century (where there was always some larger group looking after you, actions had no meaning or substance, and there was no risk or reality in the world) ... to the New Enlightenment Individualist paradigm (words and actions have meaning, caveat emptor, no-one will help you, look after yourself), this may change. Merchants (who are just people too) may give the big finger to pussy customers who are indecisive.
(Funnliy enough, I just realized Bananagold is like this ... NO refunds. I, say, just can't be bothered dealing with pussy consumers who dunno what "action" is.)
I believe ultimately this will make for a BETTER tighter type of merchant, as ultimately there is no room for everything-means-nothing slop. A merchant that did do something "bad' would be more catastrophically punished for it; consumers would be much more choosy.
JP!
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What European tribes think of each other:
http://exile.ru/151/materials/europeans-chart.html
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