Yes, part of the problem with BitCoin is that some people buying into the whole BTC thing aren't able to differentiate between BTC as a currency and payment processing systems. BTC is NOT a payment processing network. It does have transactions, but they exist because it is the only way to trace the currency at all!!
For true online payments, anyone using BTC for payment should be using actual payment processors. Those would be able to initiate chargebacks if needed.