I'm sorry to hear you're having problems Perropantis

I believe Frontier Developments have been having some issues with purchase authorizations at the moment (quite possibly to do with the large amount of activity on their sales server at the moment). A number of other people have been having similar problems.
I can assure you that you have not been ripped off. Have you posted your issue in the
Elite Dangerous Support forum, and/or accessed the
official customer support website and created a ticket with your problem?
If not those two are the first things you should do. When posting in the support forum, aim the post at either
Michael Brookes or
Ashley Barley. Michael Brooks is the Executive Producer, he is very active on the forums and often dips in on things like this personally to give some advice or news from the inside about the situation. Ashley Barley is in Customer Services forum division and if the post is directed at him he will almost certainly come and give you some advice.
Again I'm really sorry this problem has given you a sour taste in the mouth. I agree it isn't the best first impression. It is a very unfortunate technical issue that is being addressed as quickly as it is causing problems. All I can say is that it is an extremely hectic time at the moment for FD and the developers, they are dealing with a million and one things at the moment surrounding launch, this included. The best thing you can do is to be vocal about your problem to the right avenues and be assured that it will be solved as quickly as is feasible considering the workload happening right now, it should not be the case that once purchasing the game you are not able to download it straight away.
On a side note I will humbly request you refrain from any knee jerky reactions about refunds, unless you're set on that decision. For the sole reason that Elite Dangerous is a damn fun game to play and considering you've been an EVE player for a while I'm fairly certain you'll really enjoy this little gem, throwing this away based on this annoying hickup would be a shame. I hope it gets sorted for you promptly. Maybe I'll see you out in the galaxy one day.
Good luck mate.