First, you need to be aware that most customers seek value for their money. Only a minority are cheats. Second, it can happen to any of us - you bought something only to discover that it is not right for you, then you turn it back for a refund. Yes, digital products should not be like that, but the FACT remains that credibility is second to none for long term value as well. Credibility breeds loyalty. In essence, your quick no quibble refund could also be a well spent dollar. I call it reverse advertising. Genuine refunds will advertise for you sooner or later. It's a future advert you have placed.