I think a lot of people have been abusing chargebacks (e.g. "I didn't like the item, so I chargedback rather than returning it") and they clamped down on it, an

I think a lot of people have been abusing chargebacks (e.g. "I didn't like the item, so I chargedback rather than returning it") and they clamped down on it, and it affects us normal people moreso.