A spouse, housing, and 2.5 kids is quite a lot of motivation for people to work in the coal mines knowing they’ll be at high risk of lung cancer.
Now switch the damage to groups unseen instead of yourself. Yep… People just trying to survive.
It fucking sucks.
This is what charge backs are for FYI.
“I’m sorry, but you failed to provide a service. Either give me a full refund or I will start the charge back process with my credit card company and you’ll be forced to explain why your refund policy violates their ToS and any penalties that arise from that process.”