I think the sort of "legal" argument here is imagine if you were running a SaaS and somebody did a chargeback despite using the service. I think most people _would_ lock the account and refuse to do business with the chargebacker as a default reaction!
Of course the reality of these other places being the marketplace and the service provider and the game publisher is a classic anti-trust issue.
Imagine if the SaaS charged 100x the agreed price for the last month, refused to fix the charge, and when you issued a chargeback, they deleted all your lifetime data.
Yes? I do not understand how you would think that anything but an extremely antagonistic relationship would result from a chargeback. Not saying they "deserve to keep the money" or whatever (of course not), but a chargeback is pretty much crossing the rubicon in terms of a business relation between two parties.
Not saying "don't chargeback ever", and obviously in your scenario the SaaS is at fault, really.
Of course the reality of these other places being the marketplace and the service provider and the game publisher is a classic anti-trust issue.