Customers can dispute payments for free, and founders pay the price

Why don't customers pay to file a dispute? It's too easy to screw a startup founder: Make a payment + file a dispute. It takes a few seconds, it's free, and the customer has nothing to lose. Meanwhile the startup founder: - Loses $15 instantly - Loses another $15 to fight back - 20% chances to win - Risk of getting banned from card networks The risk is asymmetric.