From the user's perspective, it's still a pretty good deal. There's a 99.999% chance that you get to use gmail/youtube/etc for free. And a 0.001% chance that you'll end up a statistic, and need to pay a nominal fee for an appeal.
Unfortunately, I don't think the above will ever happen, because it would be a PR nightmare. "Google wants to charge you money, just to appeal a ban!" It's still better than the status quo, where people have almost no recourse when they are banned. But it still sounds way better in the media, if you just pretend as though these things never happen. Hence the status quo - use automated systems to cheaply get to a 99.999% success rate, and spend as little money as possible on the remaining 0.001%