Companies who lose 3% of their revenue to visa may dispute that, as well as companies with lots of charge backs like porn, or politically controversial organizations like wikileaks, or 'morally dubious' companies that are either gouged or not welcomed into the network like dispensaries or porn, or anyone who has had paypal freeze their account for no reason...

Russian carders who make their living off of selling credit card numbers probably agree with you that the system is great.