Todd, when you say "The holder means nothing to me so long as the card is good." I have difficulty believing that... I think the holders do mean something to you. Here are some holders that meant nothing to me...
If you're leaving the card in the holder then the holder does mean something to you.
Now I do think that you should be able to undo the deal, return the card, and get your money back. But I still think if you're wanting an SGC card, buy one. If you are buying from a seller who has no returns and all of that 'guarantee' language you need to have your eyes open and pay attention.