Used anvil, selected item, game lagged. DC’d, logged back in to find anvil missing, 10,000 silver missing, and my sword unupgraded. Please just give the game a normal, boring, generic one-click upgrade system that isn’t affected by server issues just like every other game in existence.
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It’s a CBT. When we’ll reach the release or even OBT, there should be less server lag, so this won’t happen. Better keep the lovely hitting on anvils and not care too much for now as our chars and funds will be gone after CBT 
(And I’ve had bugs with funds too, I know it’s annoying !)
The upgrade fee should only be taken once you successfully complete the upgrade IMO. That way if you DC for some reason, you only lose an anvil - no big deal.
(And, obviously, if you spend your money after placing the anvil down so that you no longer have enough money to complete the upgrade - the upgrade will fail.)
Game is currently in a closed beta and everyone new to this kind of experience needs to know that these kind of things are to be expected and should just move on normally.
Sure, it is a closed beta and DCs/lag won’t happen as frequently come release, but they do still happen on rare occasions. Upgrading is quite expensive at higher refine rates and it would be really annoying to use an anvil and then get a freak DC and lose all of that hard earned money.