Best merchant account for ecommerce store?

As far as setting up a ecommerce store goes, it doesn't seem hard to actually build the site, even for people like me thanks to wordpress. But what merchant accounts are generally lenient? I called one the other day but they are hesitant to let me sell my product(supplement). All applications go through a underwriter before getting accepted and Im sure they watch you carefully the first couple of months.

The reasons they probably don't want me selling my product is because many other sellers of similar products received complaints from using tricky marketing methods(such as fake news sites). The chargeback rate on these merchant accounts is only allowed to reach 1-2% which seems low especially for any health product since people love to blame the product for their own laziness. Being able to put customers on a automated shipping program is the ultimate goal, I would be sure to make canceling as easy as possible to reduce the rate of chargebacks.

Anyways, did anyone else try and get accepted with a "redflagged" product? What would be a good solution to jump over this mess? I was thinking of buying an established site or creating a simple ecommerce website and generating some sales to get the merchant account then after some time introduce my supplement product onto the site. Bad idea?

I have a LLC but that doesn't even give credibility these days, they want sales history. Why are chargebacks so prevelant? Are other merchants just being stingy and not refunding or is there a high chargeback rate among the health industry customers?