I totally agree with your statement mate. We had so many issues with my e-commerce business where clients disputed payments just because they felt like it. So services like PayPal really destroy your financial goals and work more like a setback than a payment gateway. Now many will argue that the vast majority of customers prefer PayPal and that you will lose money if you don't use it. I like to bring for such occasions the example of the
ethoca chargeback service that I'm using And has increased my revenue 30% from what it was just by avoiding useless transactions.