That’s a good point.
They could keep the cost of one unit of each game “in the bank” in case of any refunds. If a refund happens, then they would hold back another unit of game from the next sale. Kind of “just in time refunds”.
What I mean by all this is that there are countless ways to make this a better experience than it is currently. Maybe it’s because I’m operating outside of the USD, as I have heard from you and others that the experience is good on USD. For me in the UK on GBP the experience is …not great.