Agree with this 100%. It's nice for consumers who want to screw merchants (sure, I assume there are some legitimate charge backs as well), but for merchants it'

Agree with this 100%. It's nice for consumers who want to screw merchants (sure, I assume there are some legitimate charge backs as well), but for merchants it's hell on earth unless your business is a bit a of hobby thing and you don't care if you lose whatever is in PP + PP access itself overnight without any reason.