Have you looked into Shopify Fraud protect to see if they would cover your store? https://www.shopify.com/fraud-protect
They don't cover everything, but it's worth checking out if you are located in the U.S.
"Dense"....you seem nice.
In my case, I extensively documented emails that went into this scam. It's a credit card/private shipper thing, I get phishing expeditions all the time now, and always say if they want anything sent overseas, they must wire the money in advance, no exceptions.
What happened was I was got an email right after a global trade show, from one John Burke. He said he 'was a distributor' from South America who used a private shipper, but would pay with an American credit card. Friends, who have lived in SA, said yeah, that's not completely unusual there. He sent several emails outlining what I should do, email his shipper, get the costs, create a comprehensive invoice and he would pay in one transaction. The credit card that my thief used was legitimately his, it's documented, also, it wasn't flagged by Shopify - because it was his!
His plan was that I'd pay his shipper directly, wire the shipping costs as he'd 'paid' and arrange for pick up. No sooner had I wired the money, suddenly he wanted to order more, while he 'was having things shipped' (different credit cards, big red flag). The credit cards he gave me for these additional 'orders' wouldn't go through, stolen, also documented, by me.
When the chargeback happened I asked Shopify to give him back his money, but not the shipping charges. I sent them extensive documentation showing that I'd wired the shipping charges to his man these per his instructions. If they'd have done that, he'd have effectively paid himself and I'd have learned a lesson, but not lost several thousand dollars.
Shopify, as far as I'm concerned was an active accomplice in this very detailed, very intentional, scam. Even the guru's said that this was bonkers, that they'd not seen such a thing. 30 pages of documentation. PLUS, Shopify closed my shop without warning late on a Friday right before the holidays, because I was still contesting being robbed. The nerve. BONUS, the people in the division who could open it, don't work on the weekends. THEN, they left the 'crime tape' red banner on my page for months - reminding me of this even after they'd paid my thief.
So, Shopify, easy to use, the gurus have been consistently helpful and compassionate, but when the rubber hits the road, Shopify is 'honey badger'. Truth doesn't matter, as is documented time and again by many other people just trying to sell stuff. Personally, I won't use Shopify for any large transactions anymore, not worth it. See how much I learned? Not dense, and no longer trusting and in business for less than a year.
Shopify is 100% responsible even though they try to claim the decision is up to the banks. They've set up a system to allow banks to steal our hard earned money while offering zero protection. You're making money off of us shopify so why can't you provide us with info or tools to fight chargebooks. Furthermore, why the hell do we not receive details regarding the banks funding. What kind of ridiculous system are we living in?