I wonder if to an extent, the US tendency to use credit card "protections" is an outsourcing of consumer-protection law.
Some countries, I gather that the consumer-protection authorities have a lot of teeth, and they're a viable way to escalate on a lot of bad behaviour (denying return of defective goods, or refusing to honour warranty).
In the US, I don't think this is as common-- you might be able to raise an issue with your state Attorney General, and in 2029 he'll get to it-- so the magic word is "chargeback" to get a response.
Some countries, I gather that the consumer-protection authorities have a lot of teeth, and they're a viable way to escalate on a lot of bad behaviour (denying return of defective goods, or refusing to honour warranty).
In the US, I don't think this is as common-- you might be able to raise an issue with your state Attorney General, and in 2029 he'll get to it-- so the magic word is "chargeback" to get a response.