Visa and MasterCard have tripled their charges in last decade; which go unreported and unquestioned. Why don't they fix security flaw in their card scheme...? Today all cards carry the CVV on the back of the card itself, which so damn stupid. It is keeping the key with the lock itself and then we blame the thief.
This is all in the name of convenience.  If cards are made to mandatorily work on 2FA, then risk loading can come down significantly. 2% on credit card can reduce to 0.9%. 
Basic transaction processing is a common feature between debit and credit card. Ask the consumer to pay for the credit part of the transaction. Why should a merchant pay, when the credit is being taken by the consumer. Argument has gone stale that credit induces more sales. Today, credit card is only a mechanism to defer the payments.