At the same time apple doesn't charge you anything even when you return it on the 28th, 29th or 30th day....No one is going to lend anyone anything without collateral...thats a given fact....and your argument would be valid if Apple took even a penny after the 14days from you....because you couldn't make up your mind.
Be glad they let you have 14 days which is plenty, think about this when you buy a car...you won't even get 14 days...just an hour [if lucky] test drive and thats it.
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30 day policy definitely was abused all due to people's mind taking too long to get convinced regarding color....majority of the cases were returning due to color rather than capacity.
no they dont charge you on the spot. rather its built into the price.
im not advocating abusers. personally i think 30 days is fair (sometimes it takes me a while to start trying/using a new purchase). will cutting the time in half curtail abusers or simply change their workflow? of course its different for different product types. as you mention the car one is rather extreme and thats not taking the depreciation into account.
but as far as i see you are being charged for the item. just because your cc bill isnt due dosent negate that. which is what i was responding to.