It does say on the downvote button not to do it because you simply disagree. It's not the fake internet points, it's the impolite behaviour of just downvoting someone on a serious sub who's trying to provide a polite and constructive comment. So clearly you disagree with me and it's the better thing to do is, as you have, leave a comment explaining why you disagree. This isn't just some sub about memes and nonsense. A downvote is just lazy, pisses people off and dissuades them from commenting.

I disagree with your stance. I don't think having a conversation with your parents about when they would like the money back is a bad thing to do as opposed to just assuming they want it back right away. They are, I assume, trying to help OP.