No, a money back guarantee is standard business practice (esp. with a high sticker price) and a way of increasing conversion rates. It's CRO 101.

You can get @rocketmail (not that I'm advocating Yahoo or anything).

I was going to fire up Google Docs and have at it, because this is a granular-level of organization that is lacking in my life. But then again, I think my memory would turn to mush if I documented every little event in my life.

Promise my memory hasn't turned to mush-- if anything, it's improved?

Isn't this just another version of the blame game? Why must anyone be blamed? These are experiences. Live and learn.