You purchased a deeply discounted non-refundable ticket. On every airline except Southwest there is a fee to change this type of ticket. I went to Access America's website (the preferred company COntinental uses for travel insurance) and the quote for a domestic round-trip ticket costing $222 was $31. That $31 includes much more than paying for the change fee.
Basically you're complaining because Continental isn't Southwest. If that's the case you should have purchased the tickets on Southwest to begin with.
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