the INDIRECT approach

I really struggled with using the "indirect approach" in the first few letters we had to write for our MIS class. It was hard for me to understand the concept and the purpose of using the indirect approach. I couldn't understand why it was so important to "beat around the bush" as I called it. Why can't we just say, "No, you can't get a refund." or "You have been declined for our credit card." Saying, "We think you're a great person and we love you as our customer, but maybe you should withdraw your application" seems a little....strange.

Like I said, at first I couldn't understand the purpose, but I have now come to understand. I agree with the "indirect approach" to an extent, but I don't believe in "beating around the bush". Sure, I think we sure sugar coat it up a little, but I also think we need to tell it how it is. Down and straigh to the point.