Surprisingly, no. 29 of the 30 zero-time installs had no click at all; Google credited them to someone watching the video. The install isn't what gets the farm paid. It's what makes Google's bidding think that placement is working, so it sends it more of your ads.
Thanks, and agreed. The in-app goal was the lesson, and I'd rather have learned it at $220 than at a trial-run budget. The part I found interesting is that Google's count wasn't wrong: there really were 21 installs. You only saw the problem by looking at which version of the app they installed. The YC advice is roughly where I've ended up too. And fair point on the refund, I'm not holding my breath, but I'll report back either way.