Customers are generally unaware of the policy prior to making the decision to return it and, if it provides adverse incentives, that is a "cost of doing business." I won't give you numbers for ex-employers, but returns for BCC were less than .9% of sales last year. Even if every last one was fraudulent, whee, it cost me less than hamburgers and milkshakes at one particular restaurant in Mountain View that I happened to be at a lot. (Steak something, on Castro Street. Two thumbs up.)