I don't see why that's unfortunate. It was the route taken here, too:

> Despite several email exchanges, Uber never agreed to reimburse her the extra money. But she disputed the charge with her credit card company and got back her $98. Uber then canceled her account.

Problem solved.

> If neither Uber nor the credit card issuers agree to reimburse the victims of fraud in Miami, it’s not clear if the dispute becomes an issue for the county or the state.

But I didn't read any evidence that a credit card issuer has denied the customer's dispute. In fact every (reasonable) case I've ever heard of the card issuer sides with the cardholder and not the merchant.