But, who do you get to call in a world like that? I think the West really likes customer service and security.

Why do you think PIX doesn’t have customer service or security? It’s regulated by the central bank but operated by private companies.

Suspicious transactions are a legitimate use-case for payment processing. If you don't fully trust who you're buying from, the scam preventions, chargebacks, refunds etc. work fine. But buying lunch or small chocolates, cigarretes etc with credit cards is INSANE.