That's probably true, and it is a deeply unpleasant feeling. It seems like a binary customer experience: everything goes swimmingly, and that's great and you happily ingratiate yourself to the company, and then it doesn't, and it's very bad, but the company now has all the leverage and they can do whatever they want. The customer has no recourse, on an individual basis, with no collective power. Who is going to help, the regulator? Probably not in any impactful or timely fashion. At least with financial entities, the CFPB actually has teeth.