Also, there is tons of precedence showing that the laws state regardless of amount spent, the value is the base value for digital goods , they word it in some way to explain, that the goods in a game are equal to but not more then the base value of the game itself. So in this case, the StarCitizen package for 45$ or something... All cases of videogame refunds with credit bureaus are granted instant refunds without having to be researched. The credit companies simply hold the money and refund, instantly for any game under 60$ used to be 40$ (which was based off another international law, for goods under 40$USD etc.. but the precedence now is changing, and think its 60$)
So, if someone does a charge back, and links all money to a single company, and explains its virtual goods, and the only thing you got was a single account , with virtual goods, and nothing tangible, without anything mailed to you, no tracking no signature, nothing - you would get a refund without even going to court. They might make you go through loops though, since it would be a lot of hard work, and trust me, CIG/RSI would comply very quickly if some large payment processor started to put them on the block. If they had an open case unsettled a few times a month, then all payments made to RSI/CIG would be put on hold for 48 hours. This would technically be an easy way to get your money back or cause a lot of grief for cig/rsi
they know this though, and would just give the refund, otherwise they would lose more money and again cause more negative press. Let bygones be bygones and give the guy his refund so they can go away and have nothing but good things to say about the game and it's community.