[macguillicuddy]

I feel that this is orthogonal to my point - it's not about how generous or not a given mechanism is, more to question why the App Store is any different from other transactions we need to protect. You either have to argue that App Store transactions need more consumer friendly refunds than other credit card transactions for some reason, or otherwise that credit cards should have no-questions asked refunds.

As another commenter said, in some cases Apple's power in the relationship is detrimental to the consumer - if a user issues a chargeback then Apple can disable their entire Apple account.