Indian Railway Catering & Tourism Corporation [IRCTC] — ticket booking

Dear sir/madam,

This happened twice. The amount got deducted but the ticket was not booked though the tickets were available. Yesterday also same thing happened. Why is this happening like this?
For both the transactions on 26th nov (Today's), the following was communicated though both the times tickets were available. Please make it clear if only the agents are eligible to book tatkal tickets and not normal passengers like us because agent booking fetches you more amounts. I am really pained by these things. Booking a tatkal ticket has become next to impossible for ordinary people like me.

an amount of rs 455.0 deducted against irctc txn id [protected] on 26-nov-2017 will be refunded as your ticket could not be booked / service not rendered. (244 seats were available during the transaction)

An amount of rs 455.0 deducted against irctc txn id [protected] on 26-nov-2017 will be refunded as your ticket could not be booked / service not rendered. (24 seats were available during the transaction)

Both the above transactions were back to back.

an amount of rs 450.0 deducted against irctc txn id [protected] on 25-nov-2017 will be refunded as your ticket could not be booked / service not rendered. (This was yesterday)

when payment has to happen instantaneously to get a ticket booked why can be the refund be also immediate, at least with in 2 hrs of the transaction? Please be in our shoes to understand how it feels when you don't get a tatkal ticket when you are in dire need when tickets are available, the amount gets deducted but the ticket is not booked since you are not an agent.

Thank you.