I don't understand the purpose of this comment. It strikes me as a nonsequitur. How does it conform to the logical throughline of the previous two comments?
You bear all the risk as the merchant, the customers can simply reverse a transaction, repeatedly, without providing a reason, for up to couple months.
Grep is a performance sensitive program, it's not unusual to scan through thousands of files and millions of lines so small inefficiencies are noticeable.
If you tried this in python it would probably take hours to scan through something that ripgrep does in a few seconds