Thoughts on This 1952 Topps Discoloration?

Picked this up recently, noticing the discoloration in the lower right corner and deciding to purchase anyway. When the card arrived, I saw that there are also hairline cracks in the holder very near the discoloration, almost like a compression fracture in glass. Running my finger across the cracks I can't feel them at all. I doubt it occurred in shipping, as the card was protected very well.
1) Could the card have gotten a PSA 7 with the discoloration?
2) Relatedly, do you think the discoloration occurred after the card was holdered as a result of the cracks?
3) Given that the seller has excellent feedback and allows for returns even on graded items, would you ask for a refund. Worst case is probably that I eat the cost of shipping it back to him.
Bear the spot on the hat is a scan defect, not a card defect. Thoughts?
1) Could the card have gotten a PSA 7 with the discoloration?
2) Relatedly, do you think the discoloration occurred after the card was holdered as a result of the cracks?
3) Given that the seller has excellent feedback and allows for returns even on graded items, would you ask for a refund. Worst case is probably that I eat the cost of shipping it back to him.
Bear the spot on the hat is a scan defect, not a card defect. Thoughts?

0
Comments
It would be nice if you did a rescan and crop the corner so you can blow it up.
My take?
If you don't like the card and the seller will take it back - return it.
2nd option? Call PSA and ask them to review the card - that may just be a characteristic of a card made in 1952. I have quite a few 52Ts and some have similar defects but overall the cards are totally acceptable for me.
2) No
3) No