I don't usually stick my neck out for Google, but I kinda get this policy. Charge-backs are the "nuclear" option, and both parties will take this unkindly. I understand in this case, it was suggested by the customer rep, which was a mistake.
Also it is wrong tool for other than actually fraudulent as in stolen cc details. Sadly the expensive way is court or arbitration. I wish there was some reasonable method like insurance I could buy that would fight for me instead in these cases.
