Even if that's the case, it would be unwise for EA to pursue this money. All anyone would have to do is issue a chargeback - which by the way incurs penalty fee

Even if that's the case, it would be unwise for EA to pursue this money. All anyone would have to do is issue a chargeback - which by the way incurs penalty fees for EA. More than that, it costs $25 for EA to file a challenge to a chargeback, making it completely not worthwhile. Going after this money would be a PR disaster, a legal quagmire, financially negative in all likelihood, and permanently damage their relationship with their payment processors. I would instead invest more money in hiring proper architects.