> trick you into getting travel credit instead of a refund to the original form of payment

There are so many variables that go into the more complicated cases than assuming a "trick" is at play.

One of the biggest problems is people booking through 3rd party websites/cheap-online-travel websites and then trying to handle that purchase through the airline instead of the booking company they used. Even then -- before I starting flying frequently and learned paying ~$20 more directly from the airline solved a ton of headaches -- United would try to work with you to get the ticket released (not sure the terminology here) from the booking agent. But I have yet to experience a "trick" from United, or to a lesser extent of experience Southwest or Delta. Some lesser known and foreign budget airlines are another story.