That’s like telling people not to get homeowners insurance for the same reason

Like, yes, it’s technically a bad deal. But it’s still worth the extra cost for most people

amanaplanacanal 4 hours ago | parent | next [-]

Insurance like that is normally because if the potential size of the loss. Losing a house is way more than most people could stand. A closer example might be buying the extra service contract on every electronics purchase you make: that's usually a bad deal.

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hvb2 4 hours ago | parent | prev [-]

> But it’s still worth the extra cost for most people.

Is it? You charge back over 2% of your transaction volume? If you don't then just removing the middleman will make everyone happier. If you do, I have questions as to why...

	▲	izacus 4 hours ago \| parent [-]
		If they'd come close to such chargebacks, they'd already be kicked out of the system and blocked.