> It's bizarre to me, because a relatively minor repair had to be cheaper than giving me three multitools and six accessories for negative dollars (since the bank tosses fees on top of the chargeback). The companies have no incentive and know they're going to lose (see all the articles complaining about 'friendly fraud' to reference chargebacks) yet they do it.

For every person that does a chargeback, 10 of them don't know or don't bother. A lot of companies & services rely on that.