I see. I guess it seems fundamental to me that a credit card would have these properties -- even though it's not necessary to actually fulfill the role of a credit card -- which is just to provide credit.
The two seem intertwined, even though they aren't. I just assumed Apple -- if they became a payment processor -- would still provide those protections.
If they didn't, which I see is maybe what the OP was alluding to, why would anyone use the card?
And the post at the head of this thread contemplates the utility of Visa/MC in general. Not really a concern leveled at Apple's thing in specific, and I wouldn't want my concern about consumer protections to be construed as such.
