My buddy Dave is a good golfer. Over the years, he has entered many local tournaments and has won prize money. Well — not money, actually. He’s won credit in the golf course pro shop. It’s not his first choice, but he has managed to keep his family and friends well stocked with golf shirts for Christmas every year.
I am not a good golfer, but I have had the experience of wanting to return something that I bought from a store, to be told I could get only store credit, no refund. I’m pretty sure most people reading this have had similar experiences, and no one would confuse receiving store credit with a refund.