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Immediate Use: In-game currency can be spent instantly on items, upgrades, or other digital content. Once used, it’s difficult to reverse the transaction.
Potential for Abuse: Players could exploit refunds by purchasing currency, using it, and then requesting a refund, effectively getting items for free.
Third-Party Responsibility: In-game currency is often tied to the game developer’s ecosystem, not Steam directly. Steam acts as a marketplace, but the developer controls the currency and its usage.
Digital Goods Policy: Steam’s refund policy primarily covers games and software, not virtual items or currency, which are considered non-refundable in most cases.
Often unfamiliarity makes things seem illogical, but the problem isn't the system, it's the information you're missing. Human beings tend to fill in gaps of missing information with whatever sounds good, and often get confused when their assumptions/guesses don't match up with reality. Everyone does this at least sometimes.
I think you may have made the classic mistake of only reading a portion of content or only focusing on the part that you can interpret favorably.
https://store.steampowered.com/steam_refunds
IE you can't just stop reading after the first sentence, or cherry pick the sentence(s) you like best.
So I invite you to read the whole paragraph. And in this case it seems like your recourse is to contact the developer and work with their support to get the 20% bonus coins. You can always ask about a full refund, but it seems like by the terms you agreed to you wouldn't be entitled so it would be at the developer's discretion.