Even though its far more problematic than you would expect, because Kickstarter has no official method for issuing refunds.

FORBES: The 5% Fee That Makes Kickstarter Refunds A Tricky Proposition

The Wall Street Journal reported on March 12, 2007 that Merrill had begun issuing refunds to public pension clients in Florida.

FORBES: Questions Surround Merrill's Pitiful Proposed $8.5M Class Action Settlement with 70 Florida Public Pensions

One consulting firm has even been issuing refunds to their pension clients.

FORBES: GAO Report Estimates Cost of Pension Consultant Conflicts: 1.3% of $4.5 trillion. (July 1, 2007)

Then the Wall Street Journal reported on March 12, 2007 that Merrill Lynch had begun issuing refunds to public pension clients in Florida.

FORBES: The Long Overdue Florida Public Pension Clean-Up (November 21, 2007 )

Iberia says it has relocated 38, 000 passengers to other flights this week, and is issuing refunds for another 2, 000 passengers affected by the disruption.

CNN: Workers at Spain's Iberia airline step up strike action

Long-term default is all-but-impossible, as those issuing loans for higher education have the right to garnish everything from tax refunds to Social Security checks in their quest to be paid back.

FORBES: Casey Anthony Can Declare Bankruptcy And Expect Relief But Student Debtors Receive No Such Protection

By mid-February, the date that most refunds had been issued in 2012, the Internal Revenue Service was just getting started issuing returns in 2013.

FORBES: Move up http://i.forbesimg.com t Move down