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Need some guru advice

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Sup, Alright its been (I think) fifth time that somebody used my hosting service and asked for a refund after a week. The world is full for cheapsters. I got clearly written in my tos that no refunds will be issued under no circumstances. It just wastes my time and above all makes me annoyed because there is a good possibility that the cheapster that signed up for a vps already did what he wanted to do. Like send a thousand emails, download and uploaded a hundred movies to mediafire, etc. Anything is possible. But I am usually nice with such thieves and issue them refunds without much talk.
The problem is that I do not want to get into paypal disputes. Because all the time I read on these forums that paypal will always side with the buyer and might as well ban my account(who knows anything is possible with paypal.) How do you guys deal with such people? Please give me your valuable suggestions.

ty


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