> Some customer agency or small claims court should be more fitting? Perhaps you're in a place where that just wouldn't work, fair enough, but the issue should

> Some customer agency or small claims court should be more fitting? Perhaps you're in a place where that just wouldn't work, fair enough, but the issue should be on why you don't have these laws or institution, not why there's no private middle-men fixing the deals. In the US, this is effectively non-existent these days. Best case, now rare, there isn’t an arbitration clause in the EULA, so you have individuals suing companies in small claims. The problem there is scale. A company can screw over a lot more people than people will spend time pushing back against a company. Because fundamentally, a company doesn’t give a shit about maintaining a relationship with an angry customer. The benefit of using payment intermediaries to run arbitration is that the company does want to continue having a relationship with them and is therefore incentivized to care more about the case than they would otherwise. Granted, there are a lot of ills from payment processors too! But waving a wand and suggesting bank to bank transfers alone fixes the issue is naive.