Oh, point taken certainly. But I have a feeling if a credit card issuer believes you are abusing their charge-back system, they might well nuke your account there too.
If a credit card issuer drops your account, you don't lose access to things you paid for with the card.
If a DRM store drops your account, you often do. (I think some of them do have a limited account type, so they will no longet let you transact, but you can still use the content you didn't chargeback)
If the charge back is approved, by definition it's not abuse, and the issuer makes money on successful chargebacks. They also make money on you having an account there. And they have the responsibility to give your money back if they close it. Plus you're ultimately, if indirectly, backed up by the full power of the civil justice system, courts and judges and all that. It may be very flawed but let's buy pretend it's as nearly as bad as the whim of one underpaid Apple intern with no real incentives or accountability.
