It will be harder to win auctions for those with few tokens if you were refunded them if you lost an auction - simply because everyone who failed to win in the first bid could then re-bid again for the next player etc...

There is nothing wrong with the way Tokens are spent for transfers at the moment - apart from Scouts being too expensive (And too old) in my opinion.

I think having an option where people could trade game money for packs/tokens would be good, but other than that, I think T11 are pretty much bang on the money where it comes to Tokens at the moment.