It cuts both ways. You could make a very strong argument that "friendly fraud" is the single reason that the porn industry is having to turn to crypto. Husbands are frequently caught by their spouses and, while pretending that the charge was fraudulent, commit "friendly fraud" themselves.

I, for one, am very happy to see Visa taking steps against this. We've kvetched for years over how how much power payment processors have in the system and now they're finally doing something about it (themselves, to boot!).