> If Netflix made you pay a fee that is not part of your contract or you didn't initiate, you should be able to retrieve that money without asking a racket business to cover you.

Allowing customers to claw back money unilaterally opens the door for customers to make a purchase, receive the product, then fraudulently take their money back.

There needs to be a third party in the middle to determine if a chargeback is fraudulent. Chargeback fraud already exists, and what you're proposing makes the problem significantly worse.