I understand You're trying to keep people from abusing the system in place just bare with me, another idea i have is to allow people who like my self donated to have a toon lvled up to 80, then donated for 3 pieces of wrathful and Full HC offsets to "refund" the WHOLE toon in question for lets say 75% of total coins used to donate on that character, any gear i obtained in game myself would not be refunded or "sold" if it must be done by another person instead of the server its self, so if u want to refund any items u bought u would basically have to sell that toon that has it equipped back to the server for 75% of what money u put into it. That way we would receive something for something we no longer wanted, but paid for and have no use for any more, we could trade them coins in indefinitely on different toons until the fee to do so ate them all up, but we would not feel like we wasted our coins, because we had ample chance to reuse them wisely losing 25% and a full 80 toon every time in doing so at our own accord