Long story short: Guy had flight canceled and wants airlines to have automated refund system. The issue is though that no company I know of really wants an automated easy path to disperse money back to the public. Ever try to collect on an insurance policy?
There is a massive difference in fraud potential between a cancelled flight/refund for a service not delivered, and an insurance payout.
Ever wonder why you get "in-store" credit before you get your money back?
Ever wonder why the adjuster offers you 50% of the value for the thing you claim was destroyed?
Why you get offered a check up front rather than what you are due as a result of a litigation?
Why there is a co-pay or a deductible?
Why your medical coverage rejects your first claim?
All these practices are intentional and structured to discourage people from getting what is technically owed them.
Feel free to look up "Unfair Claims Practice" some being illegal and some being just the normal course of business.