This.
I often take my money from my retainers straight away. A refund wouldn't work because my retainers don't keep the gil they are holding for long.
If you buy something you don't need, then sell it. If you want to recover your tax costs, then sell it for the appropriate amount. It's not fair for me to lose out money just because you made a wrong purchase (or didn't need the item in the end). Also, I may have spent that money elsewhere, and then there's really no way to get it back.


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