I think the 80% refund will have the following effect:
- Players squatting who are trying to sell will have a harder time finding a buyer. Sellers commonly want back their purchase price and then more. So the buyer pays all that and then the purchase price.
- Buyers willing to be flexible with the ward/location will just wait the 45 days to get a plot w/o the "finder's fee"
- The squatters will likely have to accept a lesser "finder's fee" if they get to willingly relinquish and get some gil back (we don't know if that will be an option yet)