vultures !
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I'd love your thoughts on this, but I'm thinking of doing a "no refund" policy in the future. If you can't commit, I don't want you.

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I'd say, just roll with it. Your generous refunds policy is gaining some customers you wouldn't otherwise have.
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Generally: there's a group of people who do this (not just to me, but multiple vendors).
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can they not afford it, or do they just want it free?
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I think both are happening.
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Happens to all of us unfortunately
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A lot of my sewing patterns are PDF and they always have a no refund policy since it's downloadable.
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It's such a bummer when it happens.
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But why provide a refund on a PDF? I get that it's best practice but... For whatever reason, if you bought it, you got it.
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building
If you can't afford it, please just ask me.