This refund is like putting a death warrant on this coin. I would MUCH prefer you put the money you now intend to refund into a trusted fund. There are several possibilities how to do this, either a trusted board member, or an escrow service. Hell, maybe even ask Bittrex. We can - as a community - decide under which condition how much BTC should be payed upon completion of each taslk and that way at least ALL have a chance of rebuilding this coin and recovering some losses.
And the best part about it, you wouldn't have to bother yourself anymore with any of this. You said you need a break and are suffering health problems? Then just put Harmony's faith into someone else's hand and stop ruining this coin for everyone else.
Agree with this - refunding will just kill the coin. While I feel bad for the ICO folks who will really take a beating on this, I also think there are other people besides them who have time and money invested, and deserve a chance to see a real return. In my case, I have been supporting this "cause" since Yin/Yang - i was that one dummy that continued to mine after everyone else left the multipools (both Y/Y then Harmony). Real life interfered and I was unable to take part in the ICO, but I have purchased a fair number of HMY since then (as recently as the day you dropped the bomb!), and so have other people - it really isn't fair to just refund the ICO.
Cryptoadvisor, I really don't think you any more say in what happens, and should give whatever funds are left to someone who will take this forward. Then walk away.
Anyway, just my 2 cents...