So based on what you said here overall Loutre, Google Store and Apple Store should have a warning that the refund may lead to their account being suspended? That being the main fault in this case?
I have yet to find a place where it clearly states that refunds will lead to the account getting suspended, so when you are awake again could you post the document/article that states Google/Apple will suspend your account if you refund?
Would be appreciated if you did this Loutre :-).