Why should ticket holders be guaranteed even FV back? If it's a genuine case of bad timing and you can't go, why would you expect to be "insured"?
The club should operate a simple process whereby these unwanted tickets become "returns" and IF they sell (at FV minus a couple of quid handling fee) you get the FV back.
Not every ticket on stubhub gets sold, so these tickets are far from "insured"
Two parties are making real money out of the stubhub set up, and that's the club and stub hub. I have sold my ticket on there twice, both times for good prices ( mainly because I'm a decent enough fella and like to pass over the discount I get on a ticket for being a season ticket holder, to fellow spurs fans ) but as usual, one party is blaming the other whilst ignoring the two genuine bastards in all of it!
I'm not saying you don't get greedy bastards taking the piss because you do, but that's few and far between.
Just had a look on there and it seems there are plenty of well priced tickets for City left on Wednesday.
I reckon some will just moan until they don't have to pay for memberships and season ticket members who can't make it not only drop their ticket round to them free of charge before games but they also give them a lift to the ground an hour or so before kick off, before picking them up an hour after to drop them home again!