iOS development, consumption application. For example, a user recharges gold coins after purchasing a product, and then maliciously applies for a refund after using the gold coins. How can we prevent this situation?

iOS 开发，消耗型应用内购买。用户购买商品之后比如充值了金币，把金币用了之后又申请了退款，这种情况我们如何预防

Our app review was rejected saying that we contain gambling content, but there is no gambling in our app. How can we solve the problem? Guideline 2.3.6 - Performance - Accurate Metadata   The rating you have selected, 17+, is inconsistent with the content of the app. Since the app includes real money gambling, real money betting, or real money skill-based gaming, you must select "Yes" for Gambling in App Store Connect.  Apps must be rated accordingly for the highest level of content that the user is able to access in the app and apps with gambling services must be submitted by an organization, not by an individual.  Next Steps  To resolve this issue, please update your Age Rating selections in App Store Connect to select "Yes" when asked if the app contains instances of gambling. The Age Rating selections can be found on the App Information page after selecting the app in App Store Connect.  Resources  See how to set the app age rating in App Store Connect. Learn more about age rating requirements in guideline 2.3.6.

The app review we submitted was rejected: Guideline 5.3.4 - Legal - Gaming, Gambling, and Lotteries Your app offers skill-based gaming, which is not legal in all of the locations where your app is available. Next Steps To resolve this issue, please revise your app to: Restrict the locations where your app can be used Restrict the sale of your app to only the appropriate territories in App Store Connect What should I do to pass the review?