you're also not being honest with your users. you're not actually filing chargebacks on their behalf, at least not at first. you're asking for their permission

you're also not being honest with your users. you're not actually filing chargebacks on their behalf, at least not at first. you're asking for their permission to harass/spam/threaten the merchants they have a problem with - then filing a chargeback if you don't get what you want.