I worked for a high-risk merchant, and a 44% chargeback rate is utterly insane. IIRC, internal alarms would go off and the processors would be breathing down our necks if the chargeback rate started to approach 2%.
OP is definitely in the 'fraudster' category, and deep into it! I am surprised Stripe didn't flag way sooner.
If you get put into a monitoring program, it gets real expensive, real fast. Though Stripe would probably rather just ban you.