The way to fix this is to do all your "backing" (which is actually pre-ordering, no matter what clever wordplay KS tries to apply) on an Amex, where chargebacks

The way to fix this is to do all your "backing" (which is actually pre-ordering, no matter what clever wordplay KS tries to apply) on an Amex, where chargebacks are decided by default in your favor and they go after the merchant on your behalf. I backed a failed project, where the creator indicated they'd spent the money on something else (!), and that they weren't going to issue refunds. A 5-minute call to American Express later and I had my money back.