Earlier quoted context omitted.
Would you be ok if this law allowed a company to charge for the support request? Like, $50 to have a human review your dispute?
How about I deposit $50, if they agree it's their fault, they give me the $50 back and fix it. If they don't agree it's their fault, they keep the $50 and fix it. If they don't agree there's a problem, I get $40 back. If they keep my $50 and I still think they're wrong, an appeal process is available, etc.
Sort of an insurance, for getting help if locked out