There was a somewhat recent case of someone having their amazon account with all their media they purchased licenses to view via their Amazon account taken away from them permanently for issuing a charge back due to some disputed activity on their account. So, before you go around issuing charge backs, you should think of the consequences of disputing your account status with that merchant. You may end up losing access to ALL your Steam games just because some kid cracked your password and purchased a $1 game with your account. This is the danger of having an account on these digital distribution sites everyone seems to be so fond of. Sure, you can download your movies without having to leave your house to go to Blockbuster, but what do you do when you get your entire account locked on the Microsoft Zune Marketplace because of one charge? You could lose your entire iTunes library because you failed to recognize one charge that your kid made without your permission. Any such event could (and very well may) actually cut you off from your entire media library while you resolve your situation, if you actually manage to solve it. What if someone cracks your Battle.NET account and uses your copy of World of WarCraft to run a gold farming bot or a cheating script, and now you lose access to your entire Diablo 3 Real Money Auction House funds. You could literally have thousands of dollars taken away from you without it being your fault in the slightest. You know, provided you have a time machine and go back to 2013 when the D3 RMAH was actually a thing. In any case, this is a real danger where you can lose a lot of value over a simple charge back, and there is little to protect you from this retaliatory account locking that distributors of digital goods are so fond of lording over us plebs. Again, this is a serious issue. Do consider it whenever you think about issuing a charge back on your accounts. Now, the more faithful a customer to a digital distributor you are, the more you get screwed over by complaining about them mistakenly charging you for things you didn't purchase, or other such situations where you are forced to issue a charge back because you couldn't get the vendor to resolve an issue with the money they charge you for transferring some data to your system. I won't even touch the discussion on how physical media cost the same as the digital access despite the obvious lack of printing the medium, producing it, shipping it, warehousing it, displaying it in a store, securing it in the store, advertising it in the store, and selling it via a cashier. Running the download and billing servers has to be several orders of magnitude less expensive, not to mention that some distributors (Blizzard) use peer to peer downloads to make you distribute the software for them in addition to downloading it. And somehow they are the same price. Go figure.
My original comment actually included a bit about how common knowledge is that Valve can and does lock you out of your Steam account if you issue a chargeback, but I decided not to include it because it's really just hearsay (I don't know anyone personally who has experienced this).
