oh hey @stripe here's something you can stuff into your "machine learning" algorithm:
All banks from Quebec, Canada that file chargebacks will automatically, regardless of "investigation", favor whoever filed the chargeback.
Block all .qc.ca banks from using your service.
To your second point, Stripe actually replaces the traditional merchant gateway: https://support.stripe.com/questions/are-you-a-merchant-account-or-a-gateway-or-something-else …