The answer is not to do a chargeback, the answer is to not sign contracts you have no intention of fulfilling.
I'm comfortable with taking on the risk of not fulfilling my end of something like a gym contract, provided the mechanism to remove third parties like payment processors.
It's not "blaming the consumers" for expecting people to follow the terms of contracts they sign. I never had a Gold's Gym membership for exactly this reason - their cancellation terms were onerous, I wasn't interested in complying, so I never signed and never gave them any money.
If you say "well, I don't want to do that, but I'm just going to sign this anyway then do a chargeback because that's easier" them yes, you deserve to be blamed, you deserve to be shamed, and you should have to pay the cancellation fees, early termination fees, whatever.