I've been reading HN for nearly a decade and never commented, but mlyle has it spot on: this is an important issue to me and nearly all the commentary here was one sided.
Thank you for your comment and perspective on this.
It is more likely that most of the comments are from consumers that (secretly) actually do chargeback fraud themselves and have not run a small business and also want merchants, and businesses like yourself to lose all the time. I see it in digital subscriptions, influencers doing it and even users trying to lie their way into getting the service or product for free and the chargebacks hurt both the consumer and the merchant.
It is indeed an important issue that must be tackled.
> It is more likely that most of the comments are from consumers that (secretly) actually do chargeback fraud themselves
*sigh* I think this is also unfair and presumes bad faith.
Both honest consumers and honest merchants have a lot of reasons to feel aggrieved about how chargebacks are handled... and reasons to fear it getting worse.
The worst of the dishonest of each lot have figured out how to tilt the current system to their favor, and may be quite happy with the status quo.
