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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The companies know that less people will go through the effort to claim the cash back. People forget to claim or lose their receipts. So the company actually loses less money this way.
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