It makes taking cards via Stripe completely untenable as anyone can dispute a legit charge and you're still out of pocket - imagine being charged 20 EUR for a 3 eur order even if the customer actually ordered it and just felt like being a dick
You just refund 3€ order and move on. This is the reason why marketplaces implement sophisticated solutions for returns — sometimes it is cheaper to let a few customers to get their product for free than to spend ton of money on returns, refunds and legal disputes. You can always reflect this risk in your prices.
That's fine if the customer actually asks for a refund in the first place. All the chargebacks I've handled through work (admittedly only in single digits), the customer just started a chargeback with no prior communications.
It's a pretty frustrating process as we've got no issues giving refunds in most cases.
My comment was specifically where the customer is being a dick, ie; not asking for a refund, or being refunded and then disputing it anyway (in which case you're now 20+3+fees down which is even worse)
