Comment by miki123211

Exactly this.

In both US and EU, chargebacks are a general consumer protection tool, implemented by card networks to make you less afraid of using them with potentially-untrustworthy merchants, even when not legally required.

They can be used for any kind of legitimate grievance, outright fraud being just one of them. If you book a hotel and the room is not up to the standards on their website, take pictures, take screenshots and chargeback.

They are not, however, a way to cancel a subscription you decide you no longer want (incidentally, neither is cancelling your card). Ask your lawyer, but this is actually illegal and considered fraud in many places. If you make a dumb choice, you have to live with the consequences or follow the contractual route.