> People spend large sums of money for this tool. They can't just delete your balance because they feel like it.

Unfortunately, in the US, they can. I'm not a lawyer working in this area, but my understanding is that companies are in general free to stop doing business with any customer at any time (other than reasons like the race of the customer). And in this type of transaction, there is no obligation to give a refund when they cut off the business relationship. This is different from a business-to-business contract or other types of contracts. This type of sale you're generally out of luck if the business cuts you off. That's why Amazon can delete the music library they sold you and give you no compensation.