Don't buy games from people who hate you: Hooded Horse.
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Dumbass. That means STEAM is the payment processor that drops them. Isn't that what you want?
Edit: I just looked it up. Steam can't possibly be the most customer friendly company in the world if they penalize you for your relationship with your banking institution. My credit union has called me to tell me they were doing a chargeback on my behalf.
The reason steam want you to use their internal system is because IT IS THE BEST WAY TO HURT A COMPANY. Not just no income, fees. Cost the company processing fees.
Meanwhile you defend the company that took that right from you like a brain dead zombie that malfunctioned.
Any company will do that in any industry, not just Steam. Chargebacks are used to get your money back if the vendor refuses to do anything. It is NOT meant to be a punitive tool.
This site attracts some of the dumbest posters on the planet.
Lawfare taught you nothing.