FWIW, I didn't intend "deeply dissatisfying" as criticism against your writing, although I phrased that poorly so I can understand it coming across that way. If anything I feel for you when that unfair surprise hit you. It just sucks that it's possible, and that the odds feel against us when we're seeking a refund.
I'll share the doc I prepared and sent to Google in my consult, in one of the next posts.