I agree with this as long as there is a healthy free market, and 2 or 3 companies to choose from isn't a healthy free market. Either we need to bust these companies up, or regulate them better. In D&D terms, a single company shouldn't be able to give you a permanent stat penalty just because you did something like use the word "young". Many of these companies are so big that if one of the big 2 or 3 ban you, your entire life will be affected. Another example is LinkedIn, if I get banned from LinkedIn I guess I'll just take the -50% to all future job opportunities. Once these companies get big enough they owe society better than automated support processes and surprise lifetime bans once an algorithm determines you might not be profitable enough to bother with.