> The financial sector isn’t the only area of business that have these types of restrictions, and it’s often significantly easier from a business and engineering perspective to block an account entirely than to cherry pick which services can and cannot be used.
Yeah, I used to work on a fraud detection team for another company, where some guy got some traction online complaining about how his payment account got shut down. All sorts of bluster about how he scrupulously followed the terms and conditions and how he couldn't possibly be doing anything fraudulent and how we were stealing his money, and lots of bad publicity in threads like this.
Turns out the FBI was investigating the guy for hosting child porn on another service using the same account, and we weren't allowed to respond in any way to his complaining online. So we shut down all his accounts and couldn't really do anything to defend ourselves against his complaints.
In my experience, like 90+% of the loudest complainers of account shutdowns are completely full of it, and are guilty of very obvious violations that they somehow fail to mention when blogging about it. I'm not going to say that false positives from machine learning systems never happen, but people who loudly complain about their accounts being frozen don't have a good track record, and since most companies aren't going to discuss exactly why they got shut down in the open, the prevailing narrative seems to be that the large faceless corporation doesn't care.
