Ethically I would say that one does not have to accept the return if its based on the TPG's guarantee (that's my preliminary legal conclusion too-- without having researched it etc.)
But I would under most circumstances accept the return as a best practice -- not because I had to or even out of an ethical compulsion. It just seems right to me.
But I'm not envisioning a scenario with a huge amount of money at stake which might force me (or anyone else) to be reticent simply because I could not afford to reimburse on the spot without missing a mortgage payment or something.
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