You can't just switch to another payment method when the customer explicitly set up the credit card as payment. That argument goes out of the window if you ask me.
Like I said, in all these posts, there's a tendency to victim blame by making convenient assumptions to show the victim must have somehow been at fault. The GP even jumped straight into "if X, then it must be your fault" without even bothering to check with OP if X is true.
Additionally, despite all our insider observations of snafus as software engineers as well as personal experiences as customers, there's a tendency to implicitly assume that all software systems are designed perfectly and the entire chain of people that run them are 100% correct and ethical 100% of the time.
I termed this "the tech just-world hypothesis" because of how often I keep seeing it.
