One argument is that they have to deal with so much fraud that they have no choice but to be somewhat pragmatic and, yes, totalitarian about it. The counter argument to this is that if your company is so big that you have to hurt honest customers because you can't afford to do it right, well, maybe you are too big. I've red about cases where an individual's only source of income was summarily cutoff overnight with no recourse whatsoever. That's plain wrong.