<p>I think we should limit our discussion to the "stolen bank account" scenario. "Friendly chargeback" is exceptional and cannot be repeated. We had a few cases over 3,5 years but those are not a systemic problem. From my experience the difficulty do do a "friendly chargeback" is very different depending on payment mehtod, county and bank and even there might exist laws and rules banks don't care sometimes if you know the bank employee (as it happend when my father made a SEPA chargeback with the the bank employee for a transfer from my mothers account to a charity as they thought the charity is scammy without even telling her!).</p>

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