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> Like the purchase insurance and easy chargeback are not easy at all here.

For credit cards, that's definately a thing. But, most people use debit cards that do not offer protections.

Credit cards have some protection by law in some countries. But any Visa or Mastercard will have some sort of protection against fraud and malicious merchants. That protection is as far as I know universal regardless of where you are located and will be more than enough to deal with merchants who don't honor cancellation requests, grossly misrepresent their products/services or outright don't provide the product/service you paid for.

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