If you don't see value in Mosaic, then why bother doing the match? You stated reasonable reasons why someone might pick another airlines consistently.
I would be interested in learning how Southwest Wanna Get Away fares are more refundable than Jetblue Blue fares. If this is not a fair comparison (I believe these are the lowest fares on each carrier), please share what might be a better comparison.
edit: I have observed much fewer elites flying B6 than elites flying AA out of LAX/LGB.