Complaining and or grifting consumers like credit card fraud are part of the cost of doing business.

Companies have figured out it’s more profitable to just let the small scale fraud go through than try to deal with and create a scene or hamper the occasional legitimate return.

Instead, the prices are just increased and the speed and efficiency of selling is increased while lower the quality.

It’s not even zero sum, it’s a decided negative for us. Much like having the ability to use credit everywhere. Convenient yes, but prices are higher, yes, even higher than you cash back or reward bonuses.