You’re about to “do the right thing” and refund money that was never yours to refund.

I used to think “funds available” meant “safe.” It doesn’t. It means “the trap is armed.”

In tomorrow’s Leader’s Dispatch I break down the exact refund-then-reverse mechanic (with the federal numbers) and the first-hour protocol that stops the double-loss.

One question to tattoo on your brain: “Cleared or reversible?” Then get a case number.

Restack if someone in your life would refund fast, feel polite, and get wrecked anyway.