We’re hearing about deliberate fraudulent chargebacks wrecking shops more and more often.
If this persists, final settlement is the only way to survive.
The current environment where you can’t trust shipping companies to not share your data, delivery guys stealing packages, fraudulent clients trying to steal from you, it is hard to survive.
Many people give up, because in combination with bureaucratic paperwork that takes most of your time and paying over 100% of taxes (most companies are making a loss so they basically only generate tax), it might be time to get out of the traditional system that is truly broken.