You're right, I don't like it, so I will change where I do business. Also I completely disagree with your first statement and am pretty sure it is factually incorrect. There have been long, exhaustive threads on that topic. It may be "out of their hands", but that doesn't mean they shouldn't correct the issue.
I'm sorry but if you think I need to eat the cost of the shipping failure, then you are delusional.
It's out of their hands once it ships, if they choose to do something about it, it's as a courtesy not a must. The risk isn't on the shipping company (UPS, FedEx, USPS, DHL) as they don't insure live animals, risk is absorbed between the company that ships the item and the customer. Shipping policies are in place, in particular for this shipper (AquaSd), why should they break their back because someone didn't read the fine print on the shipping policies.
I'm not delusional, just a realist that understands how the industry works (aquaria and shipping).
I personally order only instate because of the risks in the game.