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But really you can't blame only the system for the failure of the individual. That is like blaming an exercise program for an individual quitting the program and getting fat, when he would have lost weight if he just stuck with the program.
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A good exercise program is structured in such a way that people can keep up with it.
Otherwise creating an exercise program isn't that complicated. You get some book on exercise from the library and it provides you with a few exercises.
Will a good program get everyone to stick with it? It probably won't.
Responsiblity is about providing what you promise. The exercise program gets sold with the promise of some results. If it doesn't than you are right that it's not the responsibility of the program when a user quits.
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Keep in mind though, that no business owner wants to encourage his clients to ask for refunds. That would just be bad for business. He IS out to make money, after all.
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The present guarantee isn't worded in a way to discourage people to ask for refunds either. It just avoids phrases like "no conditions" and "no question asked".
Crystal clear money back guarantees increase sales. At least that's what a lot of internet marketing gurus say about money back guarantees.