Yes...returns are a big issue.
as "un returnable" & secure is the whole point of crypto!!! -- for this scenario this backfires

A lot of banks act as a mediator for disputes, if you take them out companies lose a bit of power they once had to not be immediately taken to court for failure to comply... Court action is a headache for everyone involved and leaves at least one party out of pocket... Not to mention, as a company, if you're taken to court you get a permenant charge against your name...
Steam also claim to have removed an option to pay with cryptocurrency due to its volatility.