>Suppose you're making a modest monetary donation to a charity you've been volunteering at for years.
A charity isn't a business, so I don't think this is relevant to my statement.
>Suppose you're buying a car. You've signed a contract to buy it and owe the money regardless of which payment method you now use for the down payment. Doing a chargeback doesn't get you out of the contract. If the car isn't as described you would have to sue them and then if you won the court would order them to refund your money regardless of which payment method you used.
A contract is a two-way street. If the seller didn't hold up their end because the car isn't as described, then in fact I don't owe them money. That fact isn't made true by going to court; it's already true, and the court determines it to be so. A chargeback doesn't "get you out of the contract", but it can be a method of enforcing your pre-existing legal right not to pay without having to spend time in court. It can mean that I don't "have to sue them" to be made whole.
The situation you described with a car isn't particularly different from my situation with Best Buy. The phone wasn't as described, so Best Buy wasn't legally entitled to my money. I enforced my legal right to the money via a chargeback, which was much easier than enforcing it via a lawsuit.
>Suppose you're paying for lunch at a cafe. You've already eaten the food by the time the check comes. You know whether you were satisfied with it or not before you transfer the money.
This is your strongest example, but I can think of circumstances where it would break down. For example, suppose the cafe promised a lactose-free meal, and I later experience unmistakable symptoms from lactose intolerance. Then this is largely analogous to my Best Buy situation.
A charity isn't a business, so I don't think this is relevant to my statement.
>Suppose you're buying a car. You've signed a contract to buy it and owe the money regardless of which payment method you now use for the down payment. Doing a chargeback doesn't get you out of the contract. If the car isn't as described you would have to sue them and then if you won the court would order them to refund your money regardless of which payment method you used.
A contract is a two-way street. If the seller didn't hold up their end because the car isn't as described, then in fact I don't owe them money. That fact isn't made true by going to court; it's already true, and the court determines it to be so. A chargeback doesn't "get you out of the contract", but it can be a method of enforcing your pre-existing legal right not to pay without having to spend time in court. It can mean that I don't "have to sue them" to be made whole.
The situation you described with a car isn't particularly different from my situation with Best Buy. The phone wasn't as described, so Best Buy wasn't legally entitled to my money. I enforced my legal right to the money via a chargeback, which was much easier than enforcing it via a lawsuit.
>Suppose you're paying for lunch at a cafe. You've already eaten the food by the time the check comes. You know whether you were satisfied with it or not before you transfer the money.
This is your strongest example, but I can think of circumstances where it would break down. For example, suppose the cafe promised a lactose-free meal, and I later experience unmistakable symptoms from lactose intolerance. Then this is largely analogous to my Best Buy situation.