No other position is cohesive.
If you do not do evil, then you have nothing to fear. If you have something to fear despite doing no evil, let's fix the government. This is a human problem and won't be solved with tech.
(And again, it was pretty clear to anyone that there was wrongdoing in this case and PH was going to get sued. I do think it should have been sued anyway, that it was not may have to do with victims not willing to come forward given sensitive nature of the crime, general disinclination of people to deal with dirt, or a good content cleanup job.)
So - if I have to fear being being shutoff from the financial system by private actors who dislike me, despite not having been convicted of a crime, a law to ensure my right to be served.