This sounds eerily similar to what happened to a close friend of mine, and that's 100% the right takeaway from the situation.
> My wife runs a small business on Etsy and it's just as bad. They make random code changes, which bumps listings up or down and you suddenly have no orders for weeks at a time.
Same as above, different friend, but again Etsy.
> What's even scarier is if a handful of companies run everything we use online. Will I suddenly not be able to get a home loan for a decade because of an account closure?
And that's why I'm in favor of strong individual privacy laws, and corresponding enforcement of said laws. Because 'I've got nothing to hide' only works so long as your values/goals are in line with everyone else in the system you're operating in.
The second that changes, good luck and godspeed.
Thanks for the great read, and... I dunno just validating your view of things.