Not gutsy at all. They are banking on human nature. The house always wins and they have stacked the deck by putting all the responsibility of failure on the poor schlub that falls for the pitch. Who wants that? The end result is the same: the bike will never be made shipment ready for return to Cruzbike because of most peoples unwillingness to admit failure, especially when it is made so explicitly clear that the failure simply HAS to be their fault as evidenced by the generous (gutsy) terms of the trial agreement.