Don't know if anyone from Stripe is listening here but: it'd be amazing to be able to deploy chargeback protection selectively, as a Radar rule. So that for example we could say: charges from the US are protected (and subject to the extra fee) while charges from the UK are not.
Not an expert in this area, would'nt that flow against the general laws of insurance?
It'd still be enabled prior to the original charge being made. The details in the link suggest that some charges would be exempted anyway (eg ones that don't use the new Checkout, ones over a certain threshold). So it's a question of whether or not a given individual charge is insured, not a question of whether your Stripe account as a whole is insured.