I have to agree, if you leave it the way it is it is way to op for the drawbacks. If you give it instead an exhaust, sac say 10 and increase max resource by one that balances more drawbacks to benefits. This' ld make it a good ramp card, then seeing as it sounds like a verore card or maybe exiles, the temporary resource ability could be sacrifice a creature gain 1 resource next turn. This would allow you to ramp into sacrificials and then dump into temporaries and summon your beat-stick which is what i imagine this is for. Because it is a little slower it will give people a chance to counteract it which makes it much more sensible. As for the refund ability i could see people being happy with pay 1 sacrifice a creature heal 10, maybe exhaust but i think that'd be a nerf for that ability. At the very least the card needs to be in lightning/firebolt range, maybe within 2 for what I've suggested.