Assuming you get the card in the first place. @:-)

Does anyone honestly believe that in the case where you've plunked down your $200 and one or another of the background checks either doesn't come up clean, or isn't even your record to begin with, that you'll get all (or even some) of your money back? Hah!

I'm sorry, but this is the U.S. Federal Gov't we're talking about it. If they can **** up the No-Fly List w/nil-to-zilch accountability or mechanism for redress why on earth would anyone pay for the privilege to chance it? The chasm in logic here is stunning.