Sooo..... first of there is no confirmation required to spec a trait so missclicking or having a big fat Maine Coon thinking it's a nice thing to put her fat ass on my mouse "confirming" a shit trait (No joke). To then find myself in the position where refunding the trait COSTs 100% equal ammount of what my next trait would cost. Which makes the refund system completely useless unless you refund super duper early on. And no, GM's won't refund it I tried :P
Why is the refund system requiring you to spend that much points, I know we get the researches making the refund "seem less" but that means it'll take at least a week before that refunded trait puts you on par with how you'd be if you didn't refund as you'll eventually have all traits either way.