Subjectively, I've seen a lot more conversation on the internet in the last few years about people using chargebacks, often in contexts where it's obvious to me

Subjectively, I've seen a lot more conversation on the internet in the last few years about people using chargebacks, often in contexts where it's obvious to me as an outside observer that they're abusing the system by doing chargebacks compulsively without even trying to resolve things with the merchant. It wouldn't surprise me if we're seeing a tragedy of the commons: chargebacks were easy as long as people were inculturated to use them as a last resort. Now that enough people reach for them first, banks have to look at each one more closely and they're going to err in the direction that takes less work.