Why worry about being banned? Why would you want to continue to do business with a company that treats you like this? When I get to the point where I am contemplating a CC chargeback, the bridge is already burned.
What if you want to host something on AWS? Stream on Twitch? Shop at an Amazon Go? Keep listening to your Audible library?
What if you're using home automation equipment that's tethered to a cloud service and Amazon acquires the company?
Sure, a simple chargeback probably won't trigger broad spectrum retaliation though all their subsidiaries, but the fact is that Amazon has accrued a lot of power in recent years.
How many processes are in place at Amazon to fight chargebacks? How do we know it won't trigger anything? How do I know they won't retroactively make a decision months or years later? Thats the risk I can't take.
Even if so, I'd argue if your business is so utterly dependent on a single company's service, that's a huge risk and you ought to be be taking steps to diversify or self-host some things. We've all read those "Company X changed algorithm Y and my business is over!" stories.
As a pure consumer, I stand by my statement: If you're going to charge back a credit card transaction, you're past the point of ever wanting to do business with them again, so shouldn't care what they do to your account.
I am well aware of the need to diversify. It is something I am actively working towards but there is no path from here to there overnight.
I still partly agree with your consumer stand point. Even if you rule out the business aspect Amazon is pretty entrenched in may ways from purely a consumer standpoint. If I personally don't care what happens to my account, what about my family? Will their kindles stop working, prime video, audible, whole foods, etc? They share some of the prime benefits so they would be affected as well.