Chargebacks are expensive because it's an extremely manual process, especially representments - $15 is not outrageous. Many issuers will simply not charge back small amounts because it's not worth it. If you want to commit fraud, just buy small amounts at Starbucks on a prepaid card with no balance - they generally don't auth (to give that smooth consumer experience) and will not charge back when their forced post comes in because it's not worth it for them.