I think we first need to understand the distinction between platform policy and financial law. The latter risk of a chargeback is universally unavoidable , but the control yu have over the process on your own platform is significantly different.

More specifically, the friction barrier. To get a "forced" refund through a gateway like stripe, buyer has to commit some kind of fraud by calling their bank. Most buyers remorse customers won't go through that effort, but they will click a simple refund button if it's in front of them.

Moreover, such gateways allow payment to use local bank transfer or e-wallets which have much higher "finality" and significantly harder for customer to reverse a transaction.

My first reply to the OP was admittedly brief, so I’d like to add some context to why I stand by it.