Indian Railway Catering & Tourism Corporation [IRCTC] — irrelevant delay in refund amount

Dear sir. I tried booking one ticket from ndls to dbrt vide transaction i'd [protected] on meeting preferences. Rs. 10420/- deducted from my bank. As my set preferences for ticket booking did not meet, ticket could not be booked. As per irctc rule, refund will take 3-4 days. Due to immediate non refund, i am unable to book ticket with changing my preferences due to insufficient fund in bank and on refund it will get waiting list.
The system has raised few questions before me.
(1) other services where amount deducts, get immediate refund. Why not in irctc?
(2). How will i get confirm booking after 3-4 days when only few seats available?
(3). Why should irctc take my money without providing me any service?
(4). Who will consolate my ruined image before my family due to unable to get ticket?
(5). Do railway really serious to provide services or its just a govt / public venture to get profit in govt treasury. And the last but very important..

(6). Is there anyone in your system who will care for this mail...
I am very much positive for no response.
Thanking you
Jitendra singh tomar
[protected]
Email - [protected]@gmail.com