There should be a special paypal transaction, where the user agrees that there cannot be a chargeback. I refuse all paypal transactions as seller and always want paypal as buyer
Another huge problem are those stupid fees of 3% as a seller
Can't because Paypal is simply a front for CC. If a paypal account is hacked and the hacker uses it to purchase $20,000 in a no-chargeback tx (possibly to himself) do you think a) the customer is just going to say "oh well guess I have a $20,000 CC bill" or b) Paypal says "guess we eat $20K"?
The entire credit card model is based around no personal responsibility (except by merchants who take the cost/weight of all fraud). You can't build an entire economic system w/ no responsibility and then at the highest level make it irreversible.
If you want irreversible tx it needs to be irreversible from the ground up.