Firstly, this isn’t the place to vent. This is a place to report in-game bugs. Still, let’s break this down.
This is how covenants have worked since day ONE. Now, it will be changing once 9.1.5 comes around but until then switching covenants is not meant to be easy by any stretch. You are essentially betraying one to champion the other.
See this? It warns you flat out that it’s not meant to be easy to switch.
No, you simply misunderstand how tokens work. If you buy tokens with IRL money, you can only sell those on the AH. You can’t do anything else but sell them for in-game gold.
If you buy a token off of the AH with your own gold, THEN you can use that token for game time or to add money to your Blizzard Balance.
The rest of it? Just stop, take a breath and step away for a moment. If it’s not fun, don’t play it. No one is forcing you here. But I’m honestly concerned for you and all of this talk of death and dying over things that just aren’t that serious.