[king_of_goats]

It's both, but mostly the latter. Purely from a time-management standpoint, doing the menial clerical work of compiling all the information requiring to properly respond to a dispute -- like some kind of courtroom lawyer assistant preparing for a boring case -- is just alien to how I want to spend my time as an entrepreneur. I'd rather just click "Accept", move past it, and focus my efforts on GROWING the business -- not engaging in these trivial disputes.

FYI -- I directly asked Stripe support, is there any downside to having a default policy of "Accepting" all disputes? Does my "accept-to-challenge" ratio have any impact on my account standing, risk profile, likelihood of getting banned, etc? They said, nope! Just focus your efforts on keeping your dispute rate ITSELF low. The resolution rate is irrelevant.