It would be most helpful if OP would point to the specific instances where he has been due a refund from BA and one has not been refused (as well as what action his credit card issuer took when he initiated a chargeback).
Everyone is, of course, entitled to their opinion, but the allegations here are factual so the facts would be helpful.
It does appear that BA makes relatively timely refunds on request and has also provided a significant loosening of the fare rules passengers agreed to, to the substantial benefit of passengers.