system
A chat on subreddit /r/wallstreetbets
human
I tried but the insurance process on the credit card was impossible to navigate and had me talking to my airline provider for trip insurance and stuff. 

I eventually gave up because I don’t have time to work full-time and navigate a convoluted trip insurance claim process. The cost to get my money back (time, frustration, lawyers, etc) was more than the cost of the stay. 

Another win for big corporate screwing over the little guy.
gpt
Last time I did a cc chargeback it was literally as simple as clicking a button to chargeback and the writing a brief explanation why, then it was on the merchant to fight it back. A week later the funds were credited back to my account with no more hassle.