There's no such thing as "accidentally" finalizing early - you make a conscious decision to FE or to remain in escrow. If you remain in escrow, then you get a refund. The rules are the rules - you don't get to decide to FE knowing the risks and then demand a refund when it turns out that indeed those risks are real! You knew the risks and you finalized early anyway. You knew that by FE'ing, you would be going out of escrow and would no longer be protected by SR or its escrow system. You can't make that kind of decision and then scream about how unfair it is that you can't then get your money back! You knew the risks! They are the reason we always say "NEVER FE!"