Not sure why you're getting downvoted. This is true. People like to complain, but I'm sure somewhere in the TOS this was stated that you don't own it... Still a bad move to pull the content but I agree should not be full refund.
I get that people don't like paying for things. I don't mind paying, but I make myself aware of what I'm paying for. CONVENIENCE... Don't spend your money on bad platform's and services people. If you don't like how the business model of that company is, don't give them your money. Vote with your wallet.
My issue is the first line of your comment, that it's not realistic for the average user to read and or understand the TOS. You should not use the product if you have not done this. Period. And if you choose to not read and understand, then there is no more discussion to be had... Makes sense?