Current behaviour:
Place a video clip on V1 and a clip which will act as a matte on V2.
Place a track matte effect on track on the clip on V1 and set it to use V2 as a matte layer.
Add a new video track at position V1, such that the old V1 becomes V2, and the old V2 becomes V3.
Outcome: The track matte will still use V2 when it should point to V3.
Desired outcome:
The matte layer should use V3. the later used should increment by the number of layers inserted beneath it.
I can't see any scenario where this shouldn't be the desired outcome. Can you?