Yea, but limiting the time on chargebacks isn't Obama's fault - the majority of credit card companies only had a max chargeback time limit of 90 days. Expecting to be able to get your money back after over a year? Not Obama's fault.

I'd like to see actual screencaps instead of copy-pastas of the notes sent between you and the artist, to see if you actually did inform them of your TOS. :P