I have been traveling internationally continuously for 6 years and haven’t had any of these issues. I use Schwab, Capital One, and Chase for banks and credit cards. I don’t stay any one place longer than 6 months; usually just 3months in a country.

When my bank card expired Schwab even overnighted a new card to Peru for me. I order from Amazon a fair amount and don’t have any issues.

Maybe you are in this weird algorithmic grey zone where you don’t travel enough so everything gets flagged. Where for me I have been traveling for so long that nothing gets flagged.