I feel this is an interesting question to ask, have you ever been charged back? If so, was it a large sum of money? The reason why I feel it is interesting is because I know that you feel pressurized at such times.
I myself, have been charged back once. It was for a company that I was working for, the administrator had not given the item. I quit the job and refunded the member. The sum, luckily, was only of $19 USD.
Several times Most of the time, it's a misunderstanding but the ones that hurt are fraud. Had a case where someone hacked a paypal account and I personally lost $250. I thought that was unfair, they were verified, I proved I delivered the product and nothing, paypal took the money
i had never been charge back but i myself have made a charge back because there are many scammers in this internet world and believe me its not an easy procedure to escalate a claim, sometimes it get reversed
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Ever Been Charged Back? 
Most of the time, it's a misunderstanding but the ones that hurt are fraud. Had a case where someone hacked a paypal account and I personally lost $250. I thought that was unfair, they were verified, I proved I delivered the product and nothing, paypal took the money 
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