Well, the thing is you are always vulnerable of the people refunding over and over so they get a new skin every day doing this. So then you have to put a refund limit...the tokens, and that's where we are now. The problem is you cannot give people unlimited refund because they will abuse the system.
It's sad, but i'm pretty sure it will stay like that.
One idea would be to give refund tokens at the beginning of a new season only for your future purchases, So that way, it gives more experienced players the same advantages that a new player would have by having the opportunity to refund a bad purchase without giving them the possibility to get retroactive refund of something they bought 1 month ago