Travel funds are restricted to use by the originally named passenger only, so you can't use them for someone else -- or for a pet. Southwest only accepts credit cards for payment of the pet fee, LUV Vouchers, gift cards, travel funds and cash are not accepted. The pet fee is fully refundable, however, should the planned travel be cancelled after check-in and payment of the fee.
I'll echo the comments above -- you'll need to reach out to Southwest directly if you'd like to make sure your suggestions are heard by the correct people.
(With regards to why the pet fee is [currently] $95, even on a less expensive flight: be aware that the fee functions primarily as a deterrent, or limiting factor, to help ensure the plane isn't filled with pets.)
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