So don't loop us in with the banks. We bear the chargeback - now we are out the merchandise and the money (and occasionally with some processors - an additional chargeback fee. The bank does nothing. And without important data like a shipping address, how could they in the future if they decided to?
*Sure, not every online transaction is for goods but you would think they would at least have a standardized way of collecting the information to eventually report it to authorities.