I agree with the OP and I also think that server transfers should be governed by time, not money.

Rift, for example, offers free server transfers that are instant and you can do them directly inside the game. The restrictions placed on the transfers are mainly a capped amount of money that can be transferred and a time limit until you're able to transfer again after you do.

I think that in a free to play game, charging for server transfers is perfectly acceptable but considering we're paying a monthly subscription I think we should be able to play on whichever server we want and that it should be as easy to connect with friends as possible. Rift also allows cross-server play as well as cross-server chat so even if you are on separate servers you can play/chat with friends.

I'm not trying to turn this game into Rift, simply using it as an example, when these services were added Rift was still a subscription based game and that was why those services were implemented for free.