My experience is that disputes are 100% from Americans who are encouraged by banks to "just do a dispute" anytime they are dissatisfied with anything. And in 100% of these cases it is customers who forgot to cancel or just didn't need the service as much, not really any actual dissatisfaction. Most fraud is stopped by Stripe and not really a big issue, in some cases we do a manual check and it is obvious fraud (no account activity, info not matching, fake data entry etc) and we just refund the charge before any dispute is made.