Bans should definitely not come with refunds.
It's also not on Valve. If you inject code in an actual competitive multiplayer game, you deserve to be banned. The fact that your hardware manufacturer elected to do so means Valve is going to change it, but they didn't do anything wrong, and their tools didn't fail.
Most libraries I'm aware of also have kiosks set up with their catalogue information. That's probably what gems thinking of.