"Banks almost always side with the cardholder, even when we provide clear logs and evidence."

-- sigh unfortunately it's the opposite in 3rd world countries like Indonesia. I've had my cards physically stolen on the airplane. Despite having all the evidence and common sense ("I'm in city X airport and the disputed transactions happened in city Y, you're saying I went there immediately after landing and return to the airport just to queue for immigration, all in an hour?"), none of the banks accepted my chargebacks that I filed few hours after incident.

The banks are Bank Mega (national, private), BNI (state-owned) and DBS.