I’ve been researching possible solutions and it’s difficult. Most people will either use credit cards, bank accounts, or an exclusively online option like paypal (which derives funds from a credit card or bank).
In basically all cases, the payment process will be beholden to the policies of the bank/credit card for charge disputes. This is true even for Paypal (as it can be made to defer to banks and credit cards if the charges are disputed at that layer).
There’s not much that can be done to mitigate that.
If it were to jump purely to cryptocurrencies I would bet that a number of people (myself included) would step away from purchasing things.
There’s not an easy way to resolve this. But, in the spirit of the subject title, black lists are one strategy for limiting future risks