As I said in my other comment, disputes are meant for unauthorized charges. If you actually purchased and received a product and you wanted a refund just because you didn't like it, you might not actually win a dispute under those circumstances.
> Apple’s terms don’t really allow for disputing; “ALL SALES ARE FINAL”.
Disputing would be unnecessary under the scenario Apple suggested because there would be a free trial.
> It’s easy to dispute in earnest that the app didn’t deliver the functionality it claimed to deliver on the description.
Now you're no longer talking about a money back guarantee. Come on, the idea that a credit card chargeback is a valid alternative to having a free trial is ridiculous.
> Apple doesn’t offer free trials for non-subscription purchases.
Wrong.
Non-subscription apps may offer a free time-based trial period before presenting a full unlock option by setting up a Non-Consumable IAP item at Price Tier 0 that follows the naming convention: “XX-day Trial.”
I bank with Chase, who makes disputing a charge take a few minutes from their website.