Even if that's the case, it would be unwise for EA to pursue this money. All anyone would have to do is issue a chargeback - which by the way incurs penalty fees for EA. More than that, it costs $25 for EA to file a challenge to a chargeback, making it completely not worthwhile.

Going after this money would be a PR disaster, a legal quagmire, financially negative in all likelihood, and permanently damage their relationship with their payment processors.

I would instead invest more money in hiring proper architects.

In fact, surprising as it is, you did not require a credit card number on your account, nor did it ask for one when creating new accounts.