What I think I'd like most is the ability to speak to someone with the power to overturn a stupid decision if
they want to cut
me off due to fraud concerns. If this were possible, I get the impression that most horror stories that we hear wouldn't exist. I understand that customer service costs money, so I can forgo the need for a phone hotline for anything else.
This would cost them a few phone calls per year for a small proportion of their customers. The money I pay in commission should easily be able to pay for this; and if they need to limit this ability to established customers then so be it.
I've not had a problem yet, but I fear that it's just a matter of probabilities. This perception that I have should not be, and I think that it makes it clear that there is a problem.