The airlines, like any company, have the right to charge what they want, for what they want. If a person chooses to fly, to their destination, it is something that just has to be accepted, at this point, because things will likely not change. It is something that people do not have to agree with, but it will not change, and when someone purchases a ticket to fly, they are agreeing to the terms and conditions that are spelled out in the airline's contract of carriage, as well as the fare rules, which apply to that particular ticket.
To avoid these fees, as well as paying for bags, next time, purchase a full-fare, refundable ticket. These passengers do not have to pay for checking bags, and change fees, etc., usually do not apply. These tickets are a bit more expensive, but worth it, in the event that things don't go as planned. They can actually save you money, if things go bad.
As per NWA losing your luggage. Unfortunate that it happened, but most airlines will not refund the baggage fees, regardless. How long were they missing? The airline I work for will compensate for every day, after 24 hours, that the bag is missing. I'm not sure of NWA's policy on this. I would look into it.
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