> I'm not saying that companies shouldn't be able to suspend accounts temporarily. I'm simply saying that there needs to be a way to get your account unsuspended if you're innocent. The way it "works" now is that innocent consumers are without any recourse whatsoever.

This is absolutely spot on, with the caveat that you do need to disaggregate from accounts to people, which is the hard problem. Having people call a phone number is definitely not going to work as a way of achieving this disaggregation. I'm pretty sure I could create a system to bring that call center to a halt with fairly minimal cost in less than a week of coding.

As an attacker, you can also hire people in call centers to make phone calls at scale for you.