> Now imaging your checking account also got disabled because some bot decided that you looked suspicious.
That's already how fraud protection works in the majority of banks.
That's already how fraud protection works in the majority of banks.
A bank might suspend your checking account if it detects suspicious financial transactions on the account. The goal here is (ostensibly) to protect the account owner.
Google, as per the precedents it has repeatedly set, could suspend your checking account for participating in a stream on YouTube and following the streamer's instructions to spam chat with emotes in order to vote on his path through the game, as happened to Markiplier and his followers. That's far beyond what anyone should consider reasonable risk for being able to access their bank account.
Yes, but what bank has the surface area of google? If I do something in a an area that has _literally nothing_ to do with banking ( say google stadia ) that a bot thinks is fishy - will I have all of my funds locked up over that mistake?
The surface area for misclassification is much larger in Google’s case as they close down the entire account without any mechanism for appeal.
That's not the entire story. Not only do banks have tons of regulations that they have to follow, a concept of "algorithm determined that we shutdown the account and we can't explain to you why" does not exist there.