This must be a challenging experience for you, southstreetcr.

But I'm here to provide insights and clarifications about the system requirements needed to run QuickBooks Desktop (QBDT) for Mac.

There are system elements that need to follow before you install QBDT. Mac 2020 is compatible with at least macOS 10.14 (Mohave), supported by macOS 10.14 (Mojave).

Also, the newest QBDT Mac 2022 supports at least Mac OS X v11.3 (Big Sur) or later. Hence, I'm unable to provide an update on when will QuickBooks be compatible with Monterey.

About the refund, you can contact our QuickBooks Live Team so they can pull up your account and discuss this matter. 

Let me know if you have additional questions about the system requirements needed to run your QuickBooks. I'm always around to help you.