You do realize that policies like that insure that everyone ends up paying for someone's mistake or issue. The vendor (whether the seller or manufacturer) will

You do realize that policies like that insure that everyone ends up paying for someone's mistake or issue. The vendor (whether the seller or manufacturer) will calculate that when coming up with prices for what they sell. Let's use airline fares as an example. If you allow people to cancel at any time for any reason (and for example to not show up) then the airline can't sell as many seats but has the same costs. As a result they would (in theory) have to charge a higher price for seats on the plane. My point is that while on the surface this looks like it comes out of the businesses profit in actual practice it doesn't. As a matter of fact there is a pretty widespread business practice whereby you allow people to buy and return for any reason if they are not happy 'NO QUESTIONS ASKED!' and you simply jack up the price of the product to account for the returns (which are predictable because it's the same product).