To everyone who dealt with faulty hardware, I think Apple should be quietly offering refunds (not just a store credit). But to everyone else, they received the service promised by Apple in full and should be stoked at this surprise $200 return incentive.
You can argue that the $500 price was too steep for a hardware loan, or that Apple should be offering a more generous incentive to return the device. I wouldn't disagree. But it's not like Apple was unclear about this.
https://photos5.appleinsider.com/gallery/36365-67564-DTK-own...
https://miro.medium.com/max/1400/1*V6If2OIL4W223oGLzT5OrQ.pn...