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People who chargeback instead of calling for a refund should be banned. Banks who offer multiple chargebacks to customers who call up to question a charge should be scrubbed more severely than banks who tell a customer to call for a refund.
Sites who generate more refunds, credits, chargebacks and headaches should not get the same level of scrubbing as a clean site that doesn't cause any issues for the processor.
Affiliates who create the same sort of problems should have their sales scrubbed more thoroughly than those who don't.
Scrubbing is more like rocket science than any other part of this industry... too many chargebacks and you're toast. Too far below the allowed percentage and you are letting good sales go down the drain.
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