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There is no such thing as an instant refund where you immediately get to use the money from the approved refund.
The way around this is to have money aside from the funds you are waiting on from the refund.
Holds from Marketplace sales have nothing to do with Store transactions.
they are holding his money for 24 hours
https://help.steampowered.com/en/faqs/view/5FDE-BA65-ACCE-A411
It still has nothing to do with your grudge over the Steam Market pending funds after Market sales Valve added last year.
"Pending" can be entirely normal, just like market transactions, for a day or two.
No, OP, you did not get "scammed". You had wrong expectations on your own end, that's all.
https://help.steampowered.com/en/faqs/view/5FDE-BA65-ACCE-A411
Got the foil really cheap on the marketplace
Waiting until the very last minute to decide that you want a different game, in his fault.