Well, you can't if you paid using a debit card, like I did. Silly me.
So, if you feel like you've been charged unfairly (e.g. product not what was expected), in error, fraudulently etc. then chargeback is the route and you should provide a reason. It's a mechanism to protect consumers. If on the other hand you just want your money back without good reason then chargebacks are not the right tool. The consumer also has an obligation to pay if there was no fault on the merchant side.
Honestly, sounds like everything is as it should be?
In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required.
They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback.
They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.
This is unhinged. Then I can chargeback at McDonald’s because the burger doesn’t look the same as the picture. I still ate it and you probably still stayed in the room.