No dealer sells at MSRP. We always sell at the lowest price Juki, Bernina and HandiQuilter allows. We have given a complete refund if our customer doesn't like the machine, for any reason.
We have, however, had customers return a perfectly fine machine, just to find that the machine wasn't threaded correctly or the needle was in backwards. It's always a great idea to sit down with your educator and make sure the problem isn't user error.