not to mention, thats pretty bad advice for these chargeback frauds. not gonna deny some regions have higher risk of frauds, but these are mostly high-volume automated schemes.

in the case of these "friendly fraud" schemes, they are much more likely to come from more developed regions with strong consumer protection laws like the NA.

if anything in many of those "high risk" regions, chargeback are much less common because fewer consumer protection law e.g. banks would automatically reject chargebacks for transactions with 3DS OTP.