Happened recently, ordered pizza but they delivered to wrong address. Called them they wanted to deliver pizza again but it would have been too late. So they refunded the transaction, though seemed a little reluctant.
My guess is that if I had no option to do a chargeback, it would have been harder to get a refund then.
Then the dissatisfied customer throws a fit and warns their peers that the vendor isn't trustworthy.
There is an asymmetry here because anyone can be a customer but not everyone can be a vendor- that requires a certain level of reputation and upfront investment. So it is more risky for a vendor to scam a customer than the other way around.
I don't know, I hear all the time about people buying things on amazon or something and when it arrives it's just crap and you can't get a refund. At the end of the day, getting a refund is not about the payment method, it is about your business relationship with the vendor.
Cryptocurrency transactions require high trust in the sense that they cannot be refunded, but they also require low trust in the sense that the vendor cannot possibly steal any more money than what you sign them.
If you are going to argue by anecdote at least use a believable anecdote. Amazon have one of the most customer friendly refund policies and always offer a refund or replacement- obviously because they are just pushing it on to their sellers but still, they do.
> Amazon have one of the most customer friendly refund policies and always offer a refund or replacement- obviously because they are just pushing it on to their sellers but still, they do.
With an open season of friendly / chargeback fraud, customer lies, refund tricks, etc which customers keep doing every day and so on which too many of that and Amazon will ban your account and they should.
My guess is that if I had no option to do a chargeback, it would have been harder to get a refund then.