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> One remark about this though: you always have recourse in court. We often hear the USA is incredibly litigious, but it's not like we'd not (threaten to) bring action against a merchant not acting honestly

It is, however, like we (in the US) wouldn't bring action in court. Ordinary consumers don't want to have to go to court to resolve a dispute with a merchant. Unless you have a substantial amount riding on the outcome, you're just going to lose, even if you win. It costs time and money to go to court. While you may legally have recourse with litigation, in practice, it doesn't usually work that way.