Logically, you're 100% correct. But I don't think most folks will reason it that way. Do you think a senior citizen will follow that reasoning? And then how

Logically, you're 100% correct. But I don't think most folks will reason it that way. Do you think a senior citizen will follow that reasoning? And then how will they contact the provider? What is the provider doesn't respond (for the case of simple refund request)?