I cook the food

You don’t, American toilets are weird and siphon the bowl out before filling it with water. The better design dumps water into the bowl from the cistern and flushes everything through.

If you live somewhere with consumer rights, by law you can return it no questions asked within 14 days of receipt (actual length of time may vary, UK is 14 days)

The UK has building societies which sound like what you’re describing

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