Apple and Google literally have APIs for developers to provide evidence (This is what RefundHalt does for developers), but like 95% of developers don't have a server to intercept these notifications and respond in time. RefundHalt does not automatically stop a refund. Apple and Google decide that; it only provides the evidence.
And yes, services like this already exist. RevenueCat responds to Apple's consumption requests for its users; Adapty has Refund Saver, there are a lot of services like this for Stripe as well.