My gut feeling is that we should just make such systems legally mandatory. The need for the reversal procedure is a side-effect of Apple's fraud prevention approach and they were the ones to cause the problem. It's only a matter of time until they lose in court and have to reverse such a ban, so why not require the ability to reverse bad decisions in the first place.
Facebook pretended that deleting user data was impossible for a long time. But since GDPR made it mandatory they discovered a cheap way to do it. Some laws work like magic ;)
