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RockDaddy... perhaps the driver's license isn't used in the USA... but it can be used here in Canada.
as for a chargeback, it's not as simple as you're making it sound.
first of all, the cardholder (and not his wife) has to send us a signed letter stating they did not authorize the transaction(s). if the charge is then proved to be valid, they must pay. if not, it is charged back. so a chargeback is only issued when a processor does not prove the charge as being valid.
and before it's charged back, the cardholder must then sign a legal affadavit restating the fact that he didn't authorize the charge.
if at any time the processor or visa can prove the charge as being valid, the credit card will be redebited and the processor will be credited. this can have several consequences for the cardholder including the revocation of his card for fraud or even reporting fraudulent use of the card to the authorities (along with things like falsifying legal documents, etc)
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