the refund worker is used to set a lower threashold for the required approval to get any funding as a worker ..
Workers are paid from the top worker down until either the daily available funds have been totally used .. or the refund worker is hit that refunds all of the restin in daily pay back to the reserve pool ..
Having alot of votes for the refund worker means that getting an actively paying worker is more difficult as you need (at least) more votes then the refund worker