Both, no need to argue. Shopee is run be scum full of scam. Shopee will twist and turn published terms and condition as they please to their advantage.

I agree that should be the way but you know who is Shopee CEO ?
That fellow where can be trusted. Somewhere in the TnC will sneak in TnC subject to changes.
Even if that is not the case, their staff easily screw and scam customers so much so that search engine most frequent terms include Shopee "penipu"

as usual messing with terms of transaction.

It is common for shopee sellers to cheat customers.
Even shoppe has guarantee also shopee violate their terms and condition steal customers' money.

New level scam tell customer to report poilice.
Since you have police report, try file complaint to consumer tribunal.
If seller overseas, claim from shopee as shopee brag that shopee keeps fund in escrow account.

Most members in this thread are traders. Some honest. Some I would not count on. It is because shopee rig their reputation review system to make their sellers look like more starts then other e-commerce sellers. So buyer beware.

You should question shopee why coin is limited usage as wackyangel explained.
Do USD or MYR has limited daily and weekly usage?
After all you gave your time and money.

Then why do shopee coin expire or become worthless when customers pay for them by cash

Got, but other platform sell cheaper and more reliable than shopee.

Haiwan terbiar also got persatuan ....
Can we form a persatuan B40 tak mampu beras ... minta donasi ?