<p></p>
<p>I think the 0.5 BTC limit is just what <a class="user-mention" data-hovercard-type="user" data-hovercard-url="/users/RefundAgent/hovercard" data-octo-click="hovercard-link-click" data-octo-dimensions="link_type:self" href="https://github.com/RefundAgent">@RefundAgent</a> chose to limit direct refunds to after taking too much risk with a larger refund. The refunds done by refund agents are out of pocket and a personal risk they take so it's really up to them how much to refund.</p>
<p>The initial discussion, before the 2of2 protocol, around refunds by agents vs going to the DAO included thoughts of the refund agents (or anyone, not as a dedicated role) buying the claims at a discount for traders to get their refund as soon as possible and then having the refund agents claiming these cases to the DAO. I think the BSQ market is still not liquid enough for that to work, and users seem to get upset when they miss out on the counterparty's deposit.</p>

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