If this is correct than I can absolutely see where the OP is coming from. As for AA, as they don't have operations into Bkk, I can see why they wouldn't have a similar policy but also can see why the OP asked.
There is a difference between asking and expecting The person did ask but seems to have had an expectation that the fee would be waived. When people choose to self insure , then they should expect that they will be hit by costs associated with them. Some people do choose to take out insurance for travel and this may be a situation where it would cover them
If a person chooses not to take coverage, why should that person expect the airline to take the risk?
The flight is still operating and there is nothing to stop the passenger travelling other than his own wishes.$150 is a fairly cheap cancellation penalty