If someone says they're a charity and they're not, and you give them money, it's your fault. But you still go to your credit card company, dispute the charge,

If someone says they're a charity and they're not, and you give them money, it's your fault. But you still go to your credit card company, dispute the charge, and get a chargeback. This chargeback hits PayPal with a $20+ fee, so of course they're going to be involved.