The whole money back thing makes absolutely no sense. If you are going to sell something for $500, then say you will give $100 back after purchase, why not just make the product $400? Is it some sort of sleezy marketing scheme? ELI5. Please! Make this make sense.
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I see this frequently with large purchases that are financed. They sell you a car and include a “free” gift card. Of course, it’s not really free, it’s financed and you pay interest on it.
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