[morei]

There's a couple of key things here:

1. The sheer volume of fraud attempts. Economics often dictate that it needs to be cheap and fast to reject a fraud attempt.

2. Information leakage. It's normal to see people complain that '<insert service of choice> banned them and refused to say way'. There's a very good reason for that: They're trying to slow the rate at which fraudsters learn to exploit them. So they deliberately don't detail exactly what the issue was. Yes, it's super frustrating if you get innocently caught up it, but it's not arbitrary.

TL;DR: Like everything else in life, there are real and genuine trade-offs here.