It's more than that, they view existing outside the reach of the legal system and consumer protections as being a benefit. "No chargebacks" is a major selling

It's more than that, they view existing outside the reach of the legal system and consumer protections as being a benefit. "No chargebacks" is a major selling point that the community uses to evangelize to merchants, and the flip side of that is that it's much less protections for consumers.