Disputing with banks isn't particularly reliable. These larger companies have a script now for responding for one, and the other thing that happens is they'll kill your account and permanently ban you.
Neither of those accomplishes the goal of being able to purchase the product or service without being ripped off.
> the other thing that happens is they'll kill your account and permanently ban you
This practice really should be illegal. “I don’t want to do business with you because I screwed up, you correctly called me on it, and I had to refund you.” PERMABAN.
>Neither of those accomplishes the goal of being able to purchase the product or service without being ripped off.
I'd argue that its impossible to totally do that since humanity has never figured out how to remove scammers from the population. It is the way to fight back against it so I think that is really splitting hairs on complex sociology-econmic explanations.
Do you really want to continue do business with a company ripping you off?
Neither of those accomplishes the goal of being able to purchase the product or service without being ripped off.