Devils advocate: is dis-incentivises businesses that causes a lot of charge back requests even if those requests are ultimately unsuccessful. There was a spat

Devils advocate: is dis-incentivises businesses that causes a lot of charge back requests even if those requests are ultimately unsuccessful. There was a spate of people selling PS5 boxes on Ebay a while back. They clearly said PS5 "box" but the word box is small and surrounded by "New" "Unwanted gift" etc and priced at the RRP of a PS5. So people bought them and mistakenly thinking they were getting a PS5. Ebay ultimately banned such products (I believe). But I can see a payment provider wanting to dissuade crappy products with a lot of unhappy customers.