Drives me crazy too since we all know the user wanted the membership or product. I would like to see a service that I could pay someone to hand deliver noticed to these clients and lean on them a bit more. Letting them know that we will have to have their wife sign the form too that they did not use their credit card to view porn.
i wish where was a system wheer all or most websites subscribed to and all 3rd party processors did where if someone does a charge back that card is blacklisted imidantly across ALL processors and marchants.

it may discurage people if they basically had to get a new card from their bank if they do a chargeback. and after all they usualy state they didnt do the charge so its probally safe to list the card as stolen right?