Chapter 13 - is it always 100% payback?

[Abbey]

I am sorta confused, and conflicted with this...is chapter 13 always a 100% repayback...that hardly seems fair, since chap 7 filers seem to get off 100% scott free, and when I read on 13 it seems its 100% payback...

I have very good disposable income, and a nice savings, but if I have to give up all that, and still pay back 100% - at this point, I see no incentives of filing anything. it does not make sense to give up all my dis income, and savings, and have to pay back 100% so i can eat beans and rice over the next 5 years, and still have bad credit for years to come...

over the years, I am sure creditors have already written this debt off, and enjoyed the
tax benefits that I am sure they probably get from the govt....not too mention, they are
selling and reselling my debt all the time, I keep getting letters of the latest debt collector
that purchased my debt...

does that make sense to anyone?

mine was %38 at the start but was bumped up to %50 for the last 12 months