> The thing is, even here on HN (where I expect, maybe not warranted, the level to be higher), people seem to absolutely proud and entitled to chargeback whatever for whatever reason. Those are almost 100% Americans (I check) and that is where I got the idea; this sentiment is much higher on tiktok, youtube, reddit etc. I even saw some shorts of people screwing merchants with chargeback like it is some batch of honour.
That's an example of selection bias and other confounding factors: HN users are disproportionately American, Americans are more likely to know of chargeback rights than people from other countries, Americans are more likely to have credit cards than people from other countries, American statutory rights in this area (especially for credit rather than debit cards) are stronger than in most other countries, people who abuse chargebacks are more likely to be American than from other countries for all of the foregoing reasons, Americans are more likely to boast than people from most other countries, Reddit has disproportionately many Americans, and people who make shorts about chargebacks are more likely to do chargebacks than people who don't.
Consider statistical rather than anecdotal evidence in this area. According to one payments processing company, Clearly Payments, the USA has slightly below average chargeback rates, at 0.47%, behind the UK, Belgium, Germany, and France:
https://www.clearlypayments.com/blog/chargeback-rate-by-coun...