So true. Not even western world, the US. In my travels I have never found a place that is as open and easy to return stuff as America. Even the same company has different return policies depending on the country. H&M has 30 day return for cash with tag & receipt. H&M Brussels will not give your money back, only credit. It might even be only 14 days their I forget.

We pay less of a risk premium in the US. Some of these scams will drive that up.