A18 Pro offers 44% better single thread performance and similar multi-thread performance as the M1 processor.
The Neo should offer similar if not better performace as the first round of entry level Macbook Pro/Mini/Airs that Apple launched in 2020 with the M1 chip.
I'm probably missing something but I never got the Merchant being on the hook for the chargeback. It should be the Credit Card Processor's liability for fraudulent charges (unless the merchant is actually at fault). If a stolen card is used to make a purchase, why is the merchant on the hook for this?