Hyperone, dont think I'm wrong.
I think you've been in a different situation.
e.g. MEM- ABC (8+01 layover) DH to MEM. Late out of Memphis so trip has to be revised to a legal rest, MEM-ABC (revised to a later DH to get at least 8 hour layover) DH to MEM
In that situation, you don't get punished with a lower bank since still DH'ing out of the same city.
Could also see the company argue that it's a change to a DH not a cancellation and the "bank monies remain intact" by you getting the higher of the bank.