we do 50 on rentals of 399 and under. 25 on all 400 and up. I dont think any verbiage in your contract will help. They almost always side with the card holder.That said I have only had 3 chargebacks in 15 years

This article could be more useful. It could define what a music locker is. Until seeing this article I had never seen the term before. It could give dates of each of the changes it describes instead of only one date. It could describe the services that now exist that are similar (as best I can tell given the lack of a foundational definition) such as Deezer's ability to upload your own MP3's (which I assume still exists; that is something else this article could have addressed); or Roon or Audirvāna, which specialise in allowing users to curate their own collection and charge handsomely (and maybe profitably - that is something a good journalist might investigate). Finally, this article could mention one of the big distinguishing features that still sets Apple Music apart from a number (but not all) of its competitors: you can play local on-device music of "your own" alongside streamed content. Still, thanks for a thought provoking piece.