Quote Originally Posted by dspguy View Post
They made the changes to mitigate a problem. No other solutions have been implemented as of yet. I can't see why they'd just reverse this policy, exposing them to fraudulent chargebacks.
Especially not when the banking industry has apparently doubled down on the idea that companies all need to redo their business models to reduce chargebacks, even though that's basically an "attack the victim" mindset (it's not SE who's trying to rip people off, it's the people that steal account details on a virtually daily basis in this day and age of data breaches).

One almost wonders if the party pooper banks would simply demand that modern e-commerce be done away with altogether, or restricted to prepaid top-up balances that you can only add to at a bank branch or via cards bought at a physical store (which would be a Final Days level cataclysm for XIV, unless SE were able to rapidly roll out Crysta cards, otherwise every non-Steam player who does not have a console license won't be able to reup their sub), if that's what it took to mitigate chargeback rates (which don't seem to be showing any sign of slackening, data breaches sure aren't).

At the least, though, it seems like the only way forward in the long run for SE is going to be having to force everyone to go through wallets for everything, either Crysta or Steam/PSN, and phase out the ability to use a credit card directly. But then there's the matter of people buying and charging back Crysta. How can they deal with that, unless again they force direct-vendor PC accounts to either move to console or start over from scratch with a Steam service account?

Then there's the uncomfortable thought that SE might be specifically in the soup because of being an Asian company not based in China (because of practically all the big payment processors at this point, outside of the PRC's, apparently being USA based companies, which more or less means that countries like Japan have increasingly less control of their own economies due to this practical dependence on American financial services) - perhaps paranoid, but you don't really see Blizzard struggling with this, do you?