[Roadman]

I would put refunding in the 'grey hat' category. Nobody's forcing customer service agents at gunpoint to issue a refund to us. Its hardly illegal. Unethical yes, illegal no. Whereas in the 'black hat' category we have actual fraud such as Bank fraud/carding/spoofing which is different and illegal as it hurts innocent people.

There's no need to argue please. Both of you above are right. Just calm down.