That is absolutely incorrect. Eventually every account will have to pay, they just didnt get to you yet. You mention $40k/month, that is irrelevant to what is

That is absolutely incorrect. Eventually every account will have to pay, they just didnt get to you yet. You mention $40k/month, that is irrelevant to what is being discussed here, more importantly is what is the amount of refunds that you process? That amount times 2.9% is your new reality.