Luckily enough for you a BASE jumper just happened to stumble across this.
I started BASE with over 400 skydives and now have over 250 BASE jumps.
At 130 skydives you are definitely at the low experience end.
Why will you lose your money? If you are doing one of the well known courses I'm sure if you talk to the boss there you can get some advice from them.
I am sure they would be happy to give you at least some of your money back.
I can assure you the last thing anyone in the sport wants is to see a low experience person get hurt because they got into the sport too soon.
And nobody wants anyone on their course to get hurt either - thus the minimum requirements. It's just stressful and a mess.
Even 200 jumps is at the low experience end, as you have mentioned.
Come clean and tell the boss person at your course your situation ASAP and see what they say.
Some people get into the sport early and are confident - some over-confident. It sounds like you are being pretty realistic, you're shit scared and I think you should be because you know you're not as prepared as you could be...?
As you must be aware, August has been a bloodbath out there in Europe. 3 people I know have died in the last 2 weeks. I went to Brento for the first time in 2014 and within a week after I left 2 people had died there (one of them doing WS proximity, but the other was a low experience jumper).
Honestly at 130 skydives I think you could probably get away with it at Brento but remember: it's meant to be FUN.
It does not sound like you are going to have FUN. :)
If you put it on hold, you might lose some money, but you'll lose more if you go, jump, and break your legs or worse.
I think if you got banned for making a wise decision like skipping the course that would be really stupid, I think that would be wrong.
Skip the course, lose some money, get better prepared, go back WHEN YOU'RE READY - and you'll have a fucking AWESOME time. I promise you it is worth the wait! :)