I'm not unsympathetic to the liabilities of the brokerages and the difficult position. But this situation exists because in the US you have to be a rich person to directly interact with the stock market.

[edit] Don't pay attention to me below. I'm wrong. See responses.

Then the absurd requirements to be an accredited investor that require nearly everyone to use a broker should be lowered. It's only a very small segment of the US population that has a net worth of over 1 million dollars or an income of more than $200k/year. Most accredited investors are not human people at all but instead corporate people. If brokerages are going to act this way then people need to have the rights to bypass them.