Hm it clearly sounds interesting. But it is kind of funny how you are rewarding those people who actually don't use the refund system right? Since they are more trustable contributors. I think the refund system might be quite annoying for ICOs. I mean they HAVE TO wait 30 days after the contribution to make sure they can count on that contribution. A refund system would be great to somehow protect users against hackers like the phishing hack on Myetherwallet few months ago. But anything that can protect the users is good. I will follow this.