Ok, that's both interesting, slightly unsettling, but also doesn't really fall under: > You're telling me that, no strings attached, no repercussion This bit:

Ok, that's both interesting, slightly unsettling, but also doesn't really fall under: > You're telling me that, no strings attached, no repercussion This bit: > by default the customer wins. Their money will be refunded immediately by the bank, who will then go after you to get it back. sounds a lot to me like repercussions :-)