There are a number of consumers that abuse the chargeback process in order to get a service without paying for it, or to get a refund on something when they accepted an agreement saying it was non-refundable. It's pretty difficult for companies to fight fraudulent chargebacks, and I believe they get charged for it even if it's overturned.
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The problem with that is that it would make consumers concerned about reporting merchants who were actually fraudulent.
In addition, many (most) merchants make it difficult to cancel so consumers don't even attempt.
Merchants brought this to themselves.
There are a number of consumers that abuse the chargeback process in order to get a service without paying for it, or to get a refund on something when they accepted an agreement saying it was non-refundable. It's pretty difficult for companies to fight fraudulent chargebacks, and I believe they get charged for it even if it's overturned.