Why do many saltwater stores don’t have a refund policy like they do with freshwater?

I mostly believe that they have it this way since freshwater fish are normally far easier to reproduce in captivity, whereas saltwater are still mostly taken directly from the ocean (although this is improving as time goes on).

I would take a gander that it probably would have to do with the difficulty in getting and maintaining the fish. It is a pretty costly endeavor to keep up salt water fish healthy and happy.

It could be that some people aren't good at keeping up their salt water tanks and so their fish don't survive. I think it's far easier to keep fresh water fish alive. Aren't salt water fish a little more delicate?

The only kind of policy my stores offer is for an exchange or refund if the fish dies within 14 days of you buying it. However, you need to bring the fish in and they will actually test it for different things and in some cases may only allow a 50% refund or sometimes nothing at all. It is very weird.