wait, wont there be any major security concerns, like if the refunding thing is compromised, it could be extremley dangerours
The blockchain could be extremely dangerous as well

We are adding new financial properties and the ability to define rules for this property.
All rules can be defined in smart-contract and you will be able to review it before you start using it. Once you define it as dangerous for your case you can skip using it.
For instance, I would not prefer to keep million on EOS blockchain because of 21 Authorities - it could be dangerous. But I will keep some artifacts for games, etc there.
So we can think by analogy here.
You still can send ETH with 0 refundable period - in this case, you define your address has 100% trust to another address.
But also you can define the level of trust in cases where you do not 100% percent sure about the recipient.