Now wait just one cotton pickin' minute here.
Even with absurdly generous terms (like repaying 40% of premiums, with no past or future interest, over three years) I don't think Patrick and his wife will make the lifestyle sacrifices they would need to in order to pay back debts that are likely not enforceable in any court of law.
If he isn't even on track and committed to paying back 40% in 3 years, which is ridiculously little in a very long time, I'd say he clearly deserves to be branded a scammer.
A 50% refund would certainly be one equitable resolution of the mistake. It's not the only one.
Roughly speaking, if he's on track for 50% within a year, that'd be reasonable in my view.
Testing the waters with some bs offer of 40% on the 6th, then moving to 50%, then trying again the 40% line on the 8th....
How to ruin a reputation for dummies. Ask Joel Katz.
Where do you get your talking points you scammy fuck you?
For shame.