I don't think you can stop chargebacks when you use paypal. It happens to the best of us. You could use egold if you are very concerned about chargebacks because egold has a no refund policy.
Chargebacks are a way of life whether using paypal or not. Accept it as a cost of doing business or turn away a good percentage of your sales.
The basic Paypal does not offer you with any comprehensive checks and that is why the fees are lower. If you are concerned with chargeback then you might want to consider 2Checkout.com or CCNow.com . They not only accept credit cards, it also supports paypal. They have better fraud checks to weed out the bad deals.
Sorry but no. E-gold does not allow credit card payment and to fund your egold you have to go through exchangers like icegold.com, that's the downside of using egold is the difficulty of funding it. But at least you won't have to worry about getting chargebacks.