Oh brother, could you possibly be more maudlin and self-pitying?

A 105% refund is not "nothing" no matter how much you prefer a 600% windfall.
No court is going to ignore the fact you refused a refund in legal tender.
Have you read a Federal Reserve Note lately? It does what it says on the label (settle all debts, public and private).
You did not offer me a refund, you offered me a settlement as was plainly stated. The settlement was for a fraction of what you owe me according to our established agreement and had burdensome additional terms which I have never and will never agree to. (If we're to be pedantic: You also did not offer me federal reserve notes, fwiw.)
No court is going to ignore that you ignored a mountain of letters from me and my months long good faith effort to sort this out in a mutually agreeable manner, no court is going to ignore that you've never offered me a _refund_ just an additional contract "settlement" for a fraction of our agreed on terms. No court is going to ignore that you you're now publicly claiming that you're not going to pay me anything at all.
As I pointed out in prior (I believe now deleted) messages: I would happily take alternative compensation for your default and would even prefer alternative compensation if it was mutually beneficial. What I wouldn't accept is a tiny fraction of a refund plus a "disparagement agreement" while you walk away with a huge windfall and leave dozens of other customers screwed over here while the "disparagement agreement" left me less able to help them.
But speaking of court you're saying you're so confident about the outcome, OKAY where is my release from the forced arbitration so we can actually take it to court without a months long dispute over the proper venue?