As a consumer, if I was obligated to pay to file a claim with a payment provider I'd be disincentivized to use that payment solution. Also, if I had a real issu

As a consumer, if I was obligated to pay to file a claim with a payment provider I'd be disincentivized to use that payment solution. Also, if I had a real issue and the fraud system failed to evaluate the case properly/competently then I'd immediately cancel my account and avoid further use.