[bryanrasmussen]

I was going to say this but then I realized that what was meant by consumers was of course the people buying the services from the people whose accounts are cancelled. So the argument is that in the credit card world it is harder to cancel the accounts of scammers, and the people who buy from them must suffer more.

Not sure if I agree, and it does seem to me that Google's way is worse because at least there are some legal protections for people (consumers) who are scammed in the credit card way but in Google's way there is no protection of any sort for people whom the system dislikes.