Then this offering isn't cost effective for you and you can ignore it. I'm not sure I understand why this thread is full of people complaining it doesn't solve

Then this offering isn't cost effective for you and you can ignore it. I'm not sure I understand why this thread is full of people complaining it doesn't solve a problem this solution isn't targeting, or, like you, saying this costs more than simply accepting your low chargeback rate. When I rent a car, I decline the offer for me being able to return the car without gas because for me, it's trivial and cheaper for me to refill the car. I don't complain that the price should be lower, or that they should instead be offering sunroofs on more cars.