Your initial point seems sensible to me. We set a policy years ago that we ignore chargebacks other than accounting for them correctly. We have a very low rate

Your initial point seems sensible to me. We set a policy years ago that we ignore chargebacks other than accounting for them correctly. We have a very low rate of disputes and in our experience it sucks up a silly amount of time to deal with the few we do get (far more than recovering a typical B2C transaction in our industry is worth). There is no guarantee that you'll succeed and get any money back at all even if the dispute is blatant abuse and entirely without merit. And since now you're going to get hit with the fee in any case and you're going to get the black mark with the card networks in any case it doesn't make any sense for us to spend time and effort dealing with them. We just have to take the occasional hit as a cost of doing business that obviously shouldn't exist but does because cards.