[hooplah]

It is for merchants. Chargebacks are abused and can kill your profitability in certain industries. Stripe and PayPal label these has high risks and will shut your account down if you receive too many chargebacks.

As someone who uses crypto on both ends, I think no reversal is the fairest way. Both sides lie, but the customer lies quite a bit and is usually favored in CC reversals.

[Nursie]

We have literally millennia of evidence that merchants are not to be trusted. “Both sides lie” covers a massive power imbalance as well as just ignoring history.