This essentially doesn’t work now either, unfortunately.
A lot of the latest AAA games will only allow you to play multiplayer if your account ALSO has a verified phone number attached, and they only let you attach each number to a single account, plus they filter out phones which are not postpaid (so no using services like Twilio).
No. Overwatch 2 did this and rolled it back pretty much immediately. CS:GO and DOTA2 don't require it but it they gate competitive play behind it. That's not a lot of AAA games.
When they launched Overwatch 2, you couldn't play if you tried to verify your account with a prepaid phone. This was problematic since they closed Overwatch 1 servers (it's a paid, online only game) for Overwatch 2, a free to play game.
Some people found themselves that they could no longer play the Overwatch franchise after having bought the $40 original game because of this. This was later rolled back and they allowed prepaid phones. So they can definitely distinguish them.
Chargeback should be a last resort but it should also be something you can reliably fall back on if the company fails to handle your complaint adequately. And the likes of Google seem to do that 100% of the time.
This allows me to
* issue a chargeback without worries
* sell the account when I'm done with the game
Just the same with Google devices. NEVER buy a Google Pixel on your own account, as issuing a chargeback will cause them to block your whole account.