I think we need some kind of legislation that any kind of death penalty from a monopoly marketplace can't be carried out without a face-to-face appeal with a live human being.
Even in the case of something like a credit card company where it’s not technically a monopoly, you risk them all coming to the same conclusion.
Essential for-profit service combined with at-will service is simply a recipe for failure.
All appeals were denied with increasingly vague language, either by more bots, or humans with strong incentive to just rubber stamp the bot's decision and move on. I'll never know which.
It's all here in this pamphlet: https://news.ycombinator.com/item?id=40992654