There is a city in northwest India where I have lived called Chandigarh. Now, Indian place names are rendered with an eye towards Anglophones. So I'd think there was no problem in knowing to pronounce the name with the affricate "CH". But whenever I got a call from my moms over there, it was "So, how's it going in SHandigarh?", with the fricative "SH." Note: she is someone who knows no foreign languages.

Based on my experience, I don't see what the big deal is with "CH" being read as a fricative. It happens a lot, and it seems silly that people would change spelling, rather than just insist on proper pronunciation. English spelling is so inconsistent, the words having come from so many sources (especially French), that one learns to expect variability....and the need to hear an unfamiliar word spoken. I have no idea if I heard "chantey" spoken first or saw it written first, but I know I must have been a very young child. There has never been any conflict in my mind about the "ch." There are just so many foreign (French) words in English that I'm sure my brain already processed the fact that such exception to rules are frequent. AND, those words may be coded as "foreign" or "special" words. Which is why I imagine, when seeing the foreign word "Chandigarh", my mom unconsciously jumps to the conclusion that it should start with a fricative.

(Next do we need to change Beijing to Baydjing and Taj Mahal to Tadj??)