Credit Cards For People With No Credit

I've seen cashiers that will check some people for ID when a credit card is used, but then they do not check other people. It seems discriminatory to me. Check a minority, but let a non-minority use a credit card with no problem. What is up with this?

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Let me explain:
1. I found a good item at eBay and I want to buy it.
2. I don't have a credit card and the seller accepts Money order or Cashiers check
3. I will have a transaction that I do not know the seller

Could you tell me which way is the best to have a safe transaction to eBay seller who I do not know?

My friend said that if I have a credit card, it is a safe way to buy online because I have a right to get my money back if I find some fraud use of my credit card. But I do not have it.

Is this possible to get my money back if the seller is a liar?

I appreciate any reply.
Thank you so much

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