Look, if the two of you are perfectly fine having the DM screw over the players like that because "that's how the rules are written"... go nuts. Doesn't bother me none. But no one should then complain that rules are written that way, because any DM worth their salt changes the rules to fit their game. Don't like the rule? Don't use the rule!
You're literally using the straight-up Oberoni Fallacy to tell me I'm not allowed to complain. Nope, not gonna fly.
It is
perfectly valid to complain, "These rules, if used as clearly intended, require poor DM behavior. They should not have been written that way." That neither requires me to commit to "every DM should absolutely obey the letter of every rule ever written, forever, never ever ever ever EVER EVER EVER changing a single thing, no matter how obvious, nor required, nor trivial", nor to "Oh, so there's no problem then, because the DM can just house-rule around it!"
This is a badly-written rule. It should not have been written that way. It
very clearly was written with the intent for a result to sometimes happen which I think is blatantly bad DMing practice. This is not an accident of the rules that careful, judicious application of Rule Zero is there to address. This is active and intentional, reflecting the
purpose that the designers put into these rules.
That's bad. Complaining about it is not ridiculous or unfair or stupid or pointless.