So I take it as a "yes" then. You would falsely claim a hack/unauthorized access to reverse a F&F transaction.
Statements like this don't support your case that your judgement should be relied upon by others.
What's your interpretation then:
I need to claim unauthorized access in order to charge back if scammed and that easily results in account suspension if found out to be a lie
What plausible reason there is to claim unauthorized access if there wasn't any unauthorized access?
I believe any sane person without an axe to grind against this user would interpret that statement as...