The problem here lies not in legitimate chargebacks, but in chargebacks as a result of using fake or stolen credit cards. There's a whole industry of blackhat a

The problem here lies not in legitimate chargebacks, but in chargebacks as a result of using fake or stolen credit cards. There's a whole industry of blackhat and greyhat Scamming as a Service, ranging from botnets used to delist AdSense ads, to Eastern European carding forums which offer scripts to run 100s or 1000s of transactions that will be flagged fraudulent within 24hrs.