It’s clearly a dark pattern thought up by shitbags because users are more likely to create an account after they’ve typed something out vs. leaving when they find out an account is required to participate.
Even the shitbags over at Mozilla are doing it.
Charge backs aren’t just granted arbitrarily though. I spent almost $1k on getting my wheels refurbished. When I got them back, they had done more damage rather than repair them, and now the wheels cause major vibration.
Visa denied the charge back because a “service was provided.” Despite the owner telling me on a recorded call that he’d never refund me or make it right, and sending over forty pictures of before and after. I’m out the money and Visa couldn’t care less.