@js517 hits the nail on the head: the existing implementation expects users to go through the disruption flow, because it is ultimately a disruption-related refund at the end of the day. If they do that, and self-certify that they're choosing not to travel due to announced disruption, we offer the fee-free refund automatically.
It's clear that not enough customers have made this connection though and I'm happy to put my hands up and acknowledge that "disruption" is more of an industry term (and the explanatory text we have is likely not prominent enough), so from this morning we have new options to hopefully make it more obvious:
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If you're affected by strike action & pick these options, you should be offered a fee-free refund ("Refund without replacement" in the UI), no questions asked.