You should encounter an ambush or boss fight within the first hour of gameplay, which is within Steam's refund window. If you don't learn from it, well, sucks to suck. The tools are all there. If you're slow at progressing because the game is too difficult, that's a different complaint, which is valid as there should be difficulty settings.
Dying is part of the game. dying multiple times to a boss to learn their moveset is the intended gameplay loop. Having unexpected ambushes caught everyone by surprise the first time they went through it. Yet, once you do, it is up to you to learn that you can't get your stuff back easily so you should be banking your beads and that 20 bead cost isn't actually that bad as you probably first thought compared to losing everything.
Like, for this specific complaint, that's entirely on you to figure out and adapt to the intended gameplay loop. How long that takes to figure out is up to your ability to learn and adapt.