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> Why would you chargeback in Fortnite instead of just refunding?

It's really cool that Steam has a working refund system but I'm not sure it helps with the explanation of why refunding on Epic is an insurmountable challenge.

You're missing the point. The point being there is plenty of use cases that are not fraudulent ones.

Steam will even still give you refunds after 2 hours if you have a reason that convinces the customer service rep (e.g. performance or compatibility issues that you spent 3 hours running the game trying to fix)

I hope you are not trying to suggest that something Steam should be commended for rather than just the bare minimum. If the product being defective only becomes apparent after two hours then the product is still defective.

So if you don't like a movie you should have the right to a refund?

While it is the bare minimum, it's more than many companies will do.