Why should Stripe take on the cost of investigating / handling a potential chargeback, even though it might be likely to be resolved in the business (and Stripe's) favor?
When it comes to chargebacks it's not just customer experience (reputation damage due to fraud) and liquidity risks that Stripes or other payment providers are protecting themselves against - but also the actual support cost of handling each chargeback too.
Chargebacks are a possibility with every single credit card transaction. Routine B2C transactions carry the possibility that a card number was used fraudulently, the product was never delivered, or the customer is otherwise unhappy. A one-time payment for a vehicle with a state-documented title carries none of those risks.
The item is irrelevant, everything OP said is something Stripe has to take on for every transaction. It's literally the definition of a payment processor.
When it comes to chargebacks it's not just customer experience (reputation damage due to fraud) and liquidity risks that Stripes or other payment providers are protecting themselves against - but also the actual support cost of handling each chargeback too.