considering most "fake tips" were non verified, "anonymous check-out" tips, it sounds like it falls into the lap of streamlabs
he never covered the fees immediately and would let the balance sit in the red until someone else covered it, meanwhile the money that was charged back-was sitting safe in his bank account and never really returned, or at best-returned a day or two late
if he was leaving his paypal on a negative balance, we can only assume he was doing the same for the streamlabs balance, and that could be a tos violation
in the tos it even specifies "
immediately", and using a negative balance as a line of credit was probably becoming an issue, I can only assume it looks bad on the books cause if he isn't covering the fees, it has to come from somewhere, and it puts streamlabs in a position where they're now paying his chargebacks, & waiting for him to cover his own chargebacks
if the tips were coming from stolen cards, he wasn't entitled to that money in the first place, and there's no reason he can't pay it back, so he wanted to keep money from stolen cards and let streamlabs cover the chargeback?
no doubt they gave him more than enough time to sort his shit out, and I think when he first started leaning into the verifird tips only meme, that was probably streamlabs on his ass about everything
he got away with it once, so just assumed streamlabs would be his own personal pay-day-loan service forever
it's not scamming, it's business