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Two indie Steam games were disguised as Helldivers 2 to scam players
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If a kid’s got their parent’s credit card, I doubt they will bother with requesting a refund. They’ll just smash other ‘buy’ buttons until the game they want is downloaded. I’m sure some adults are like this, too…
It's going to get reported and found by Steam pretty quickly. Steam already holds onto the money from sales for 2 weeks in case they need to issue a refund. Once they discover the scam, which will take less than a week, they won't hand over any of the money.
And in a case like this, I think steam would refund everyone who made a purchase regardless of if they requested it