Please call the SBB Contact Center to clarify the refund question: +41 51 225 78 56 (24/7).
The GA Travel Card and Half Fare Card are automatically renewed for people in neighbouring countries, as the vast majority are commuters living near the Swiss border and using the GA or Half Fare Card for work.
The GA Travel Card and Half Fare Card is not renewed for other residents of other countries because the majority would not want an automated renewal. Furthermore, the administrative effort would be tremendous by sending invoices, collecting money as well as the whole dunning process in case of non-payment. Most people from other countries use the Swiss Half Fare Card anyway, and not the subscription.
As evident, the rationale is of an administrative nature. It doesn’t have anything to do with discrimination; you shouldn’t use this word so lightly.