A Refund System

Can we discuss or propose a system for refunds? Overwatch has released countless cosmetics throughout the years, and we may find ourselves regretting acquiring a specific skin, emote, highlight, victory pose, or even the Mythic skins and associated Aspects. To assist with this, an in-game refund system akin to League of Legends may be introduced, but why this one in particular?

Customers in League of Legends can refund any cosmetic 3 times from their purchase history log. Customers are entitled to one additional refund at the start of each new year. Assume a consumer has already spent their three refunds; 0/3 would add 1/3 each year, and if refunds remained unused, the system would not exceed 3/3 for anti-abuse protection.
What cosmetics should be eligible for refunds? Mainly standalone, ineligible for full-bundle purchased packages.
In what shape will the refunds take? These refunds should solely apply to in-game purchases, with no real-money engagement. Meaning this will only apply to Overwatch Coins, white Credits, and Mythic Prisms.

Given how long it has been, I believe it is past time to finally implement one of these systems. There may be better methods and principles for refund processes, but they must also be fair in order to function.
What more additions or changes would you suggest?

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