I have been using online payments for over 15 years now. Over these years I probably have had accounts with over 10 different banks. Not a single time have I seen any setting related to chargebacks. In fact, I learnt of these just a few years back and I had to google it what do these even mean. Im from India btw.

And let me tell you, nowhere in my circle that I know of have ever raised one single chargeback in these 15 years. Not one.

This seems more of a developed-countries thing to me.