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Well, if you save your payment info on any site (especially sketchy ones) you can get a "you just bought with no returns" 3k$ worth of crappy Chinese phones delivered to your house that "you bought and got the goods, so it isn't aliexpress's fault no returns."
There are protections against this. The CVC is not recorded with "saved payment info" and if a seller accepts a payment with no CVC, it's much much easier to dispute it with the CC company.
Something about your description sounds right and wrong. US companies may do that, but what about "one click purchases" via google and amazon? Surely they saved the CVC and ali/sketchy site don't care as much about data breaches
Nah, Amazon is super easy to dispute purchases. Hell, you can probably just tell Amazon directly that it was a fraudulent purchase and they'll return it, at least for smaller purchases or infrequently enough.