It's unfortunate that the user affected had his PS4 already turned on while playing on his PS3.
It's more unfortunate that his reason was to allow the PS4 to download content, which it is perfectly capable of doing in standby mode.
It is yet even more unfortunate that this user, like many I'm sure, either did not think to enable password-protected purchases or even realize that was an option.
Adding to the unfortunateness is the ability to take just a few seconds de-coupling the DS4 from the PS4, not utilized here.
This mountain of unfortunatism tells me: password-protected purchases should be the default, users really should rtfm, and while Sony may not be obligated to issue a refund, they really should upon verification any purchased software hasn't even been used.
The most unfortunate thing of all, though, is the misleading as hell thread title, by an OP who has admitted to creating it that way to stir shit up. Not cool.