You make it sound like chargeback is an easy thing to do, with 100% success rate. I tried twice in my life to chargeback, for items not delivered. Both times un

You make it sound like chargeback is an easy thing to do, with 100% success rate. I tried twice in my life to chargeback, for items not delivered. Both times unsuccessfully. It looks like banks usually side with merchants, because merchants pay them, not the customers, and because companies are generally considered more trustworthy than individuals.