This is egregious and unnecessary, IMHO. If you're someone who wants a refund, request one and get one. The lack of automatic processing here is annoying, sure, but they have clearly provided a method to get your money back.
This isn't about wanting a refund, this is about what is right and wrong.
Udemy must not keep money where they know the money has been obtained by fraudulent means. It's not even slightly grey. It is clear what the correct course of action is.
This is much more serious than torrent sites. Udemy is selling and serving pirated content, albeit as a middleman. Torrent sites serve metadata and ads.
I agree but I think the comparison still makes sense in light of how torrent sites are treated. If you go by that, Udemy shouldn't really exist much longer unless they fundamentally change how they operate.
