> worst case outcome is basically: You lose

The part that really irks me is not about possibly losing, but all the time wasted in the process. I see a lot of protections in the spirit of "get your money back", but no one is going to compensate for the time spent to get that money.

Depending on the amount of money, customers might not attempt to file these cases so that they can cut their losses early. Companies knows these too, which is why contracts and customer support channels are often designed to waste your time. I know people who would still go after companies purely on principle, but that is a tiresome way to live.