Steam does it too. Status quo.

Whether it is or isn't, threats go a long way.

Like the signs you see in parking lots that say "not responsible for lost or stolen items" or "not responsible for damage to your car".

They often are, it just says that to cut down on lawsuits.

(This used to be universally true, though it's become less true over time that they are responsible)

Credit card companies aren't really interested - various businesses will blacklist you if you chargeback against them, more of the same really.

I forget what it was, but a fairly large business was noted for this - I want to say a motel chain or something.