Sure, but collections for something they have no justifiable reason to collect on? To be clear, what I'm suggesting is (a) hypothetical to understand the busine

Sure, but collections for something they have no justifiable reason to collect on? To be clear, what I'm suggesting is (a) hypothetical to understand the business rationale and (b) is under the premise that what is on the bill matches the service you retained. In my theoretical scenario, the onus is on the merchant to prove they've provided the service you've paid for. The reason car rentals provide the convenience of charging your credit card without the immediate authority of you reviewing the charges is a feature of credit cards over cash, and a benefit to consumers. The other feature is that you can dispute those said charges if the merchant is also charging you for services/goods you never received (e.g., gas for an EV).