[kasey_junk]

Businesses will increase costs to cover it, just like they do now.

[Silhouette]

How will that help in the scenario the GP described? The businesses would still have to refund those higher charges.

[Eisenstein]

Everyone pays more for everything the retailer sells until their revenue and costs ratios match roughly as they did before, with variation depending on competition intensity and elasticity of the products sold.

[dylan604]

Everyone else that bought something at the higher prices covers the fees when the much smaller number of people request the refund. So it is essentially crowd funded

[suzakus]

I think the scenario is that in the case of normal purchases, your profits need to be higher to cover these fees on any returns.