CIG is indeed, not guilty by people wasting their money with them... depending of how the offer was made and in what the person believed when making his pledge decision (And if that belief was really the correct point of view based in what CIG advertised).
But someone that does not feel deceived, and just want their money back because are in financial issues, shouldn't get it, in my opinion. It's not fair with the business. And it's easy to exploit the business with such argument if that becomes a standard approach. BUT, we are talking here about CIG, a company which have been convincing everyone to pledge more and more based on lies. So, everyone deserves the refund for whatever reason in this case, in my opinion.
I disagree that they are not alerting the customers with disclaimers about their ship sales. While they do not recommend to "pledge responsibly", they say that you don't need to buy ships and can acquire them later in-game.
I think that at this case, the backers are slightly correct, instead desperate, when defending CIG. They are just do not considering that CIG has been lying for all them along all this road.