Doesn't getting your CC company to reverse the charges only hurt the retailer that you bought it from?
Yes, if you go through your CC company to reverse the charges, the retailer gets dinged a chargeback fee. It's kind of like an NSF fee on your bank account even though the retailer didn't do anything wrong. Chargebacks are intended to protect the consumer against fraud, not to provide the consumer with a means to work around legitimate retailer returns policies. And software has always been a, "Seal is broken? Tough." type of policy, especially for MMOs where the value in the box is the one-time-use registration key that allows you to set up an account.