Apples to orange comparison with the “regular students”. I can’t conceive of any scenario in which “regular students” would transfer from a full ride at school A and receive a full ride at school B. If you’re thinking of non-revenue sports athletes transferring, it’s a closer analogy, but those non-revenue athletes typically have a partial scholarship - again, I don’t think we’d see a rush for opportunities in those sports.
I’m 100% with you on the hardship transfers . . . there is “negative consistency” (registered trademark of Alaskan Illini ??) in that whatever appears most likely, will be the least likely scenario when it comes to what type of hardship is to be approved.