I am 100% digital, and I purchased Just Cause 3 on sale from the PSN store....
This game alone is the reason I would love a refund policy implemented like steam and origin etc.
It's a disgrace that games are released and just left to die. The developers must know how this game plays, surely they can't be getting job satisfaction out of seeing the end result?!
Honestly if there was a refund policy I'd not have been as mad, I'd have got my refund and moved on.
Also I reckon if there was a refund policy, if a large percentage of people requested refunds it would likely initiate some sort of fix, i.e look at arkham knight on the pc. When large amounts of people were requesting refunds they pulled it from sale. If it had been released on console in that state I don't think it would have been fixed.
But as it stands everyone who bought the game digitally is fucked, so they have our money. I bet they'd panick if we could get our money back though....
Lastly it's all well and good saying trade it in if you're physical, but they don't care, as they've still been paid initially.