It doesn't have to be planned abuse. Another possibility is "I don't use this much anymore and there's no second hand market for my game purchases so I think I'll just get my library refunded." You were going to lose value anyway on not using it, now you get something back.
Then they need to stop claiming to "sell" you something when clearly they are renting it
Of course no one in their right mind would pay the retail prices for a "rental" so screws the business model, but honestly, they need to pick one, either they are selling products or renting them
This mixed model where they try to have the best of both has got to stop, if you ban my account you need to refund me, done want to refund on ban well do not sell me things, rent them to me under a service
