[Meekro]

Those merchants don't always have clean hands, either. Lots of services where you can sign up with one click, but canceling requires a lengthy phone call during which they pressure you to stay. And the call has to be during business hours, hope your boss doesn't mind!

Imagine how much worse it'd be if the dispute process didn't exist. "Oops, our only cancellation department employee retired last year and we forgot to replace him!"