But what about instant transfers? My bank account has not been charged when declined to buy BTC instantly on an instant transfer. They just refuse to sell me the BTC. I haven't been scammed out of money, just not allowed to buy.

I understand that users have bought large quantities of bitcoins (i'm guessing not using instant-buy), their bank account being charged, and then coinbase saying sorry we can't deliver, but that's not my case here.

Based on that information you posted above, I will make sure I ONLY buy with instant buy, knowing that I either get my BTC instantly or the order is cancelled at the start. No money in limbo this way.