Really? In what cases can an average credit card user challenge a payment that has not already occurred?
If there is a fraud usually it is quick to get money back if debit cards were used.
When you go to file a fraud claim the bank must provide a provisional credit for the amount of the transaction but they may reverse this if they decide it was not fraud. It depends on what state you're in, if you used a branded (Visa/MC) debit card, the bank, the representative's interpretation of all the applicable rules, your prior chargeback history, etc.
https://www.consumerfinance.gov/rules-policy/regulations/100...
With credit cards the legal maximum is $50. And the fraudulent transactions are drawn on a line of credit (soft money) not the contents of your bank account (hard money). The United States has a powerful oligopoly of payment network operators who lobby to maintain high interchange revenue. This de facto shifts the cost of credit cards onto those who don't have them. Instead of annual membership fees for the actual users, merchants pay about 2% of card transaction volume instead of 0.3% in the EU.
I claimed the cost of the ticket back from the credit card company. Recovering money from the bankrupt festival is then their problem.