The fact that every HF customer thought they will get a full BTC refund no matter of the exchange rate shows how unclear and unfair was the refund offer presented to them. I know that for you it's perfectly normal to not apply the windfall, but you can't simply accuse ALL HF customers of being stupid and not reading the refund offer like you do. Only you and the HF employees knew that a windfall will not apply to the BTC refunds, but they kept it a secret. That is a bad business behavior and every HF employee (and you) should be ass raped until they admit that they intentionally left that out.