What you say would be fair yes, but it is not my case. Still, conditions like the ones you mention are necessary, and platforms have many ways to check if a model is functional or if the complaint stems from another attempt to get something for free. For example, check the purchase history, if 10 buy this and they are happy, if 11 is not, there is probably no failure. So of course if CGT doesn't have something like that, it should implement it. Although I think there is already something like that.
And in the same way, a bank can verify if its client made the purchase or not, even from where it was made. We are in the 21st century. And in the same way there are ways to protect a card so that it is practically unhackable.
I still think that no one steals a card to buy a single 3D model, and I still think that this is a problem between banks and their card customers and neither creators nor CGT should pay for it. And probably in the end, this is a problem for someone who buys something they don't know how to use and wants to get their money back in any way or from a thief, and these are things that can be controlled.
In any case, I guess I should have been more specific with the title of the post, since morally dealing with this is probably the only thing I can do.