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"I thought I'd won some kind of free gas contest, why else would my card give free gas?"
People can honestly be idiots as you pointed out.
The business holds all the cards when it comes to asking for and accepting payment. If they failed to do that in the way they wanted, it's on them.
Thanks for the good laugh, this indicates way more faith in business side middle managers than is due. They ask for dumb shit all the time and make the devs do it. While I can't rule out it being some kind of coding defect, because those also happen all the time, there's definitely a non-zero probability that someone asked for it to work this way because it was convenient to operate or cheap to implement. Companies involved in payment processing are far from infallible, they just eat their mistakes and make the customer whole most of the time. I've worked at 2 different large banks, shit is held together with duct tape, prayers and throwing money at it some of the time.
People are idiots.
For instance, if they don't understand law and refuse to look it up, they might still argue something ridiculous that's closer to how primary schoolers think law works.
"I thought I won a contest so I drained 28 000 dollars worth of gas"
You can say that in court, but it's not true and no-one would believe it. One, maaybe two times of tanking for free you could still do with that excuse and maybe get away with it.
28 000 dollars worth?
Nope.
You might have developed something, but you've clearly never worked with developing/coding actual payment systems. To even suggest someone would even think about putting in a "hack" like that is, no offense, quite silly indeed. And definitely criminal.
Fuck ups happen all the time. But no-one puts in a designed function which gives out gas. That's laughable. Ridiculous. Childish.