Buyer biased dispute resolution is a ultimately a good thing for merchants. Without it scummy merchants will gain an advantage, the average trust of the whole industry declines, and customers pull back their spending. Soon bad merchants are the majority. Seller biased dispute resolution would allow the classic scam of taking payment but delaying shipment for weeks to re-emerge.
Not really. Buyer biased dispute resolution simply shift the costs of fraud to the merchant, which then build it into the product costs. The only real winner is the middlemen (credit cards) that make money on increased transaction volumes.
