The point is that after the initial few contracts, the two parties could have very easily conducted all further business and contracts without the middleman, Upwork.
> Is Robin really asking for a chargeback? That’s impossible. I start investigating by calling Robin. He apologized and said he never called any bank, additionally, he said this is a bit of a mess-up as he forgot that there is “a credit card connected in his account that wasn’t actually his”.
And that's the last we hear about Robin in this story. Why is that? Did Robin vanish, or otherwise fail to rectify the "mess-up"? And why doesn't the OP seem upset at the fact that Robin was very clearly a con artist?
In London, in the area around the London Eye, there is a tourist trap that offers a very poor 'haunted house' type of attraction, usually something having to do with zombies. As each iteration of this tourist trap gains a reputation for being total rubbish and gains one star reviews online, every few months the attraction rebrands to another name.
Compare that to the numerous audits a VPN like Mullvad has had - https://mullvad.net/en/blog/tag/audits/.