Strange logic from those who agree with WN/SWA making it difficult to track funds. With that same logic, great service companies like Nordstrom (and Amazon?) would make it more difficult to find refunds in order to generate more income for their great service.
And yes, I sent a note to SWA almost identical to the original post.
Just compare it to gift/e-gift cards. Lots of breakage with those and it's on you to keep track of them. If WN's policy bothers you so much, feel free to switch to a carrier which both tracks your credits with your account and has no change fees. Good look finding one of those.