The word "re-funds" implies the return of money, but its antonyms are related to withholding or keeping money. Words like "charges," "fees," and "costs" denote the expenses or the money that individuals have to pay for various services or products. Words like "collections" and "earnings" imply the acquisition of money, not its redistribution. Other antonyms of "re-funds" can be "penalties" or "fines," which are levied to penalize individuals for their wrongdoing. Moreover, the word "debts" refers to the unpaid money that individuals owe, while "investments" imply the money that individuals put forward in anticipation of future returns. Together, these antonyms build a broad vocabulary to discuss finance and money matters comprehensively.