These points don't make BTC look better but they do point to something else perhaps having a place.
Consumers can already get refunds for purchases. A business that wants to preserve its reputation had better be refunding purchases even if they were done in BTC. Is it really worth all the extra fees as a consumer just to have the ability to force a refund? Sometimes yes, often time now.
Think of it this way - if you don't trust a company enough to put things right (via refund if due) then why deal with them in the first place?