I’m sure the Mafia has an “after the fact” surety service of some kind that would provide you satisfaction, if not the return of your money.
Thought about it. An international cartel of knee cappers working for the business community as a sort of super police force should do the trick.
Seriously, folks. The credit card companies are not responsible for insuring that a business debit card transaction is by a valid user. Thois is not just buyer beware. It is katie bar the door open warfare against the business community.