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(+1)

So how does that work for game creators? If our game gets taken down and refunds issued, do we get fucked with a massive bill for those refunds?

I would assume that itch.io would provide refunds to those who can prove that they no longer have access.

(+2)

Yeah, I don't trust a company not to try and force the refunds back on the creators. When the games were sold, they were allowed to be on the site. If they decide that a game should be removed retroactively due to a change in the rules, the financial hit for all the refunds should not come from the creators. But we know that's exactly what will happen.

itch admin and creator is going by the stance that they still have access unless they don't anymore. Here is an example of removed access to a game's downloads