Apple had a lot of trouble with the Indian market back the early 2010s. They had to pull AppleCare+ out of the country because people were abusing it a lot. [†] Same goes for the country's biggest online retailers, both Amazon and Flipkart also switched to a replacement-only policy in India. "Most analysts agree that many many buyers were abusing the company's refund policy. With many buying latest smartphones, and r…
My friend Kevin used to test out different GPUs when he was writing a game engine. He'd buy one, install it on his computer, run the engine, then return it a few days later. They often had a 10% restocking fee. Was he abusing policy?
It's the same sort of logic banks use to justify "identity theft." Ah yes, it's the fault of the customer, not the banks' poor verification methods.
That said, it's true that when large amounts of people do a thing, you'll have to adjust policy. But it's not their fault for taking advantage of policies they're legally allowed to use, and that the company freely offers.