Just to be clear. Crystal clear. My suggestion is to use a service that is meant to protect a member of a Financial institution that provides that specific benefit. For protection. I never wrote to put the the tire store on the hook or steal something. If you have an Amex card the benefit is provided by American Express Assurance Company. It is INSURANCE to be used for that exact purpose, it is a claim that must be approved by an adjuster based on the facts of the incident. In this case if a honest mistake was made and the item could not be returned the card holder has protection. Again it is INSURANCE, that is paid for by the cardholder as part of the fee you pay for the privilege (ha) of carrying an Amex Card. IF in fact an Amex card was used for the purchase.
A terrible choice would be not using the services and rights you pay for the privilege of using that card.
For "ME" that is the reason I use it exclusively, as protection.