On my own opinion, they are banning cryptocurrencies because it actually is a danger to their society and government. The most affected person are those type of investors who don't know what they are doing and only focusing to how they can profit but not on the possible losses for their investment. Cryptocurrency is still maturing and consider as risky investment.

It depends on the team how will they recognize investors wallet addresses and the refund will be processed manually by them. If the ICO is not successfully, they will either announce it through their social media groups and channels. They will provide further instruction how to claim your refund.

All we can do is to HODL since this market are being conquered by the bears and manipulators. The safest way is to buy it back at its lowest price and always reserve money when that happens.

Very informative and the way you explain it is presentable. Keep up the good work dude! I already saved this thread on my notes. Thank you so much and this is a big help for me.