Wife goes "was this you?" "no, I must have been hacked".

The stats I've seen actually did put the charge back rate is high compared to other industries.

What does seem like a scam though is, especially in the digital space, a refund is basically free. The merchant could agree in the case of any charge back the credit card company can just take it back, they won't argue, just take it. They'd even agree to pay the transaction fee.

But you can't, so you get the 20% fee, and you still get the money clawed back from you.