Why cant we change the credit card charges notification template

Summary: When out visa upload takes place we have activated the automatic notification to be triggered and sent to the credit card holder to tell them they have new transaxctions to acquiit , however we have noted that we cannot adjust the template within OTBI as it is deliberately locked by Oracle to prevent it being updated, this gist is You cannot alter the default email notification template for credit card transactions in Oracle Expenses because it is a fixed, system-provided template. You can only enable or disable these notifications, not customize their content, subject, or other fields. 

Why is this , we should be able to export the template and add our own working to this template so when the notification is generated our staff know exactly what to do and wy