It works like wire transferring money to the seller, you get the same rights and protections. In fact it is wire transferring money to the seller.
Charging back is not easy, but it is not a problem in the least. It's only a problem when you buy from people you don't trust (but then I wouldn't want to give them my credit card number at all!). This does happen on sites like ebay. The risk is moved from the seller to the buyer. For sites like ebay you need a middle man to be safe, only now you need it as a buyer instead of as a seller.
Charging back is not easy, but it is not a problem in the least. It's only a problem when you buy from people you don't trust (but then I wouldn't want to give them my credit card number at all!). This does happen on sites like ebay. The risk is moved from the seller to the buyer. For sites like ebay you need a middle man to be safe, only now you need it as a buyer instead of as a seller.