Huh? There so so many protections with cards. All of my cards can very easily do a charge back and they’ll fight the charge with the retailer, not you. You only use a PIN for debit cards using a debit transaction because it’s a direct transfer, resulting in no card fees, very much the same as cash. No real credit cards have a PIN.

Edit: ah, I see they weren’t talking about American credit cards. My mistake! Interesting to learn that other countries do though.