It's because they don't want to make people think that server transfers are a quick and viable solution. They want you to make sound decisions about what you choose to do. Maybe some might think that "it's my money, they'd still get it" but it's also their service. They're free to do things based on THEIR philosophy about it. Server transfers have numerous consequences that exist not just for the server communities, but also from a tech standpoint. It's not gonna break their servers but it could cause potential unexpected problems to occur, which from a tech standpoint, is a very possible reality.
This is why the cost is high in general (be it FFXIV or WoW). If people are still willing to pay for the service, they are more than welcome to.



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