Disputes cost them maybe $15-$30 but then they can automate the response so there's no loss. Also, the dispute fees are charged regardless of if they choose to

Disputes cost them maybe $15-$30 but then they can automate the response so there's no loss. Also, the dispute fees are charged regardless of if they choose to fight it, so they have no reason to unless they simply haven't automated responses. While you can almost always get a refund for any small charge if you dispute it, it doesn't mean it's technically allowed by the terms, or as part of mandated laws. Laws around this generally only say the credit card company has to investigate your claims, but what they do, if anything, or how hard they "investigate" is not enforced. In practice instead of actually investigating a small $15 charge they'll just refund you. Given a large enough charge, they will definitely not refund you unless it's like a 100% indisputable billing error case (like you send an invoice you received saying $100 but the statement charge shows something else).