[anaccountexists]

In my experience, the algorithms are much more forgiving than humans. At least, when I worked with the risk team at my FinTech company, algorithms flagged people for review and then humans decided to unflag or terminate their accounts. The only time we’d do a freeze is if it looked like an account take over (since that could super badly affect the account owner).

[freedomben]

Very true, I've seen similar things. Humans can be just as cold-hearted and unempathetic as a computer is, especially when they deal with problem "people" all day every day.