> bad actor merchants It's even worse than this——"reputable" merchants will start acting even worse. Here's an experiment you can do right now: go to WSJ.com

> bad actor merchants It's even worse than this——"reputable" merchants will start acting even worse. Here's an experiment you can do right now: go to WSJ.com and buy a subscription (instant). Now try to cancel. No button to do so. So start a Support Chat. Clearly type that you want to cancel. You are directed to call a phone number. So now you have to spend anywhere from 5 - 60 minutes on the phone. I tried to do a charge back on my Amex after I experienced this, and was denied. This is the Wall Street Journal doing dark patterns and getting away with it. Imagine what will happen if credit card companies make it easier for merchants to do stuff like this.