Guest services can be as professional and apologetic, even obsequious, as possible. Disney is betting that a lot of folks won’t even make the effort to seek them out. When it’s been a long day, you have tired kids, a pressing dining reservation, or just really tired feet, traipsing to guest services, waiting in a long line, and explaining your situation becomes a lot less appealing. Is it worth $15? $45? Remember, you might miss that Ohana reservation you booked months and months ago - and you have no guarantee of receiving anything other then feigned polite regret.
A lot of folks won’t bother, and Disney knows that. The more barriers they can impose between you and a refund, the better. A refund button in the ap? Too easy. Every inconvenience is more profit.
And this isn’t guest services’ fault. If the folks designing this didn’t consider this eventuality, they’re fools. They aren’t. It’s intentional.