@servsec thanks for pm me about this thread, somehow I haven't seen this one before.
For your question, no, we don't offer a refund if the card stops working under the circumstances beyond our control, e.g. card issuer terminates the contract with us, like what the Gibraltar-based company did to all the players recently.
But we've been trying our best to keep that thing from happening (because it'll also hurt our bottom line. It makes no sense for us to let that happen purposely).

In the worst-case scenario, we'll find an alternative card issuer for our current customer. Just to be clear, this doesn't necessarily mean that we'll give a new card for free.