Seat acceptance fee refund doubt

I saw that last year's refund due date was only till July 12? How does that make any sense when there was a round 5 after July 12, they just keep your 95k if you didn't get what you wanted or got something better in other counselling???

The main reason I am asking this is because the difference between round 4 and round 5 is HUGE, like CIOT cutoff in round 4 was 25k and it dropped to 31k in round 5, but if you just don't feel safe about it, you literally can't participate in round 5

Other than that, THERE ARE OTHER Counsellings IN PROCESS TOO how is this fair

Also a side question: at what point does it become stupid to keep pursuing tech branches, because I wanna decide between EE or Mech at dtu or ECAM at nsut