Before buying a tank, it’s better to watch some videos on YouTube or read guides from experienced players, ask your clanmates or friends in game what kind of fruit it is, and only then decide whether this premium tank will suit your playing style. Personally, I am a collector and collect tanks in the hangar for fun and variety when choosing what to use to farm battle pass coins today or go through a special military operation on the weekend.
As for banning players account after refund, this is a standard practice for shareware dumpsters like WoT or WoWs. In my memory, GayWarming began to abuse this as a protection against loss of profit from the return of in-game property that was not worth the money players spent - for example, loot boxes that players they spend hundreds of dollars and do not receive the coveted prize tank from them, and, upset, they go to the game casino to make a refund.
It seems that in some countries like China, the consumer is protected by law from such abuses by publishers of digital content and game property is considered equivalent to purchase in real life by the buyer’s property and the developers of the game project do not have the right to permanently ban such a user when refunding money for the purchase - the purchased property is simply debited from the account or its equivalent in donated currency. But CIS developers are not burdened by such laws and are free to do whatever is beneficial to them, and if the buyer goes to court, he will lose it because of the user agreement, where he does not own anything in the game and purchases in the in-game store are considered “voluntary gratuitous donations” and the developer according to the user agreement, he does not owe you anything for them.
This is the price of “shareware” projects, especially those from Mail.ru, known for their greed.