Your comment is radically naive. You can't literally believe what a business writes in its PR spin. The only thing you can take away from this is that Visa intends to tip the balance towards merchants and away from consumers when it comes to chargebacks. The problem with this is chargebacks just barely work as is.
Punishing honest consumers is not the right way to go about this.
Punishing honest consumers is not the right way to go about this.