google is not a small local shop only responsible for one tiny part of your life like a plumber. They have actively sought to make themselves integral to your whole life. When the plumber fires you, you do not lose access to your retirement account because ypu can no longer prove your identity because your phone and email both went up in smoke. That comes with responsibility. This is a quite false equivalence. Chargebacks are bad? Yes, well, so is not having human customer service.

The plumber has a wife answering the phone who can be reasoned with and who can reason with you and you can arrive at some compromise or understanding or other deal before getting to a chargeback. And that's just for a noncritical service. What compromise or understanding does google offer? For their service which they have actively made as critical as possible?

This sob story about how bad chargebacks are falls flat.