Fair enough, megacorps certainly are amoral in their decisions, which generally leads to evil outcomes.
Have you considered what happens to indie game devs, which aren’t megacorps? They list games on Gamepass to increase exposure. Microsoft takes a cut of the monthly fee and the rest is dispersed to the publishers and then all the way down to the game devs getting a small slice of the monthly fee.
When OP issues a charge back, the game devs aren’t getting paid. Is that fair to indie game devs? They don’t get paid if Microsoft and the various publishers don’t get paid.
Granted, I’m not justifying subscriptions. I personally dislike Games-as-a-Service as I prefer to own my games. But using a paid service, and then charging back against the company? Especially when it’s smaller game devs on that platform, too, hoping to make it big one day.
I don’t think indie devs should eat your ass, or the original commenter’s ass. Frankly, they need money to eat and pay their bills just like us plebs.