Example:
"Little timmy got my credit card and accidentally bought a 200 dollars rank.. Please allow for a refund,"
"Sorry ma'am, our refund policy is clear: no refunds are available."
*opens a chargeback from paypal*
"Ma'am, a chargeback has been made on the 200 dollar rank your little timmy bought, He has been permanently and non negotiably banned. As well, we will continue to pursue this chargeback."
"But you didn't lose any money. I just lost some time and no damage was done, You can just revoke the purchase."
"Sorry ma'am, our chargeback policy is clear: all chargebacks will result in a permanent ban and we will continue to fight said chargeback."
Of course, they have thousands for lawyers or whatever, so either way she's down 200 dollars + legal fees. And not only did Timmy not get his purchased items, he was permanently banned and all his friends worried for him, as he was below the age to get into discord.
Something seems a bit... off about this.