> You don’t think it’s funny how the mechanism for taking the money is never broken?

I dunno, sometimes it is.

The most broken I've seen in my favour was a ~$600 purchase where the order flow broke partway through. Customer support was a major pain to get in contact with in order to figure out how to give them my money. When I eventually managed to talk to someone, they advised that maybe their third-party fraud algorithms didn't like my email. I changed my email, the order worked when I placed it again, and I received my product a week later.

Several months later, without any communication from the company, I received a second product in the mail, presumably from the first order that I didn't pay for. Based on how much of a pain it was to contact support the first time, I wasn't about to do so again based on their mistake. To be charitable, I kept the package in my garage for a couple months in case the company contacted me to arrange return shipping. Not hearing from them, I just sold it off.

> Work with a large company who won’t pay your 30 or 45 day invoice for 90 days before you broadly decide this.

I have had this experience. I don't see how a chargeback would've helped. Typically, you would invoice someone for time you've worked for them, or sometimes you buy a product from one company and invoice another for the expense.

Chargebacks don't help you get a company to pay your invoice. Debt collectors do.

In any case, this is something different from refunding a purchase as a customer, which was the topic at hand.