I'm not saying that Amazon is somehow trying to steal money from people (I rather like Amazon). I also didn't write a general critique of the Kindle's UI (which is usually quite well done). Instead, I merely pointed out a specific flaw with its UI. You can call this "whining", but I'm a UI designer, so being whiny about this stuff is kind of in my job description :-)
It's true that you can get a refund, but that doesn't make the problem go away. It means that the user can fix the problem once it has occurred. The experience is unpleasant regardless of whether the user can fix it afterwards. Preventing the problem from occurring is better than allowing users to fix it once it has occurred.
In my particular case, though, I was unable to fix it on my own. As soon as I realized that I had selected the wrong option, I hit "Home", hoping that it would cancel the action. It didn't cancel the action, but it did prevent me from seeing the order confirmation screen, which would have allowed me to cancel the order. Obviously, a quick message to Amazon fixed the problem regardless, but the point is that all of this should not have been necessary. It could have been avoided if the Kindle had simply selected the same default action for all types of documents.