It's really great to see these three big shops share information about refunds.

I believe if you make something good and make people happy, you will make money.

A refund policy is about giving customers confidence. Customers who have confidence that you will take care of them are more likely to buy. If you have a good product, refunds should not be a significant concern. Sure, there may be bad guys out there, but there are way more real customers. Focus on them because that's where the money is.