Mobius and pet octopus
Member
Steam doesn't make you go buy cards to scratch off to get your account back because they double charged you for some backwards-ass subscription service.
You would be lucky to get that option I think. I tried putting in a mere inquiry via paypal, something that starts a dispute but is not really disputing it (I think) and steam put immediate restrictions on my account and I was told I had to go through customer service if I had a problem. I imagine if I tried to charge back, I'd have gotten worse penalties. I couldn't use the store or sell stuff for like a week, which was rough as the steam sale was either coming up or on-going, I forget.
Steam isn't some angel that won't ban you if you charge back. And I know blizzard absolutely does it. What the OP is experiencing is not really abnormal from what I can tell.