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What's the upside(s) of paying for a fare lock on a fully refundable flight ticket, if any?

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E.g., KLM airline offers a fare lock for a fully refundable ticket (fully refundable till flight boarding):

enter image description here

Text:

Need some time to think? No problem: you can lock this fare now and pay later. The date and fare will then be guaranteed until Tuesday 20 December 2022 at 20:30 (local time). Save this fare for 24 hours. USD 48.00.

The ticket is fully refundable:

IMG:

The fare lock option got offered after choosing the fully refundable ticket (but I assume the fare lock option is offered for non-fully-refundable tickets as well).

What's the upside(s) of paying for a fare lock on a fully refundable flight ticket, if any? Assume there's no booking fee (which is the case for KLM). Since it's a refundable fully flight ticket, I thought one could simply buy it and refund it as a way to lock the fare for free.


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