And this problem of no appeal possible hits you lots of places online. youtube copyright strikes (great way to attack your enemies), reddit bans, twitter bans.

YouTube bans are a killer for a lot of people who support themselves that way.

There is not a store on earth I know of that will allow you to appeal the shrinkage fees if you prove you're not a thief. The costco scenario here is basically giving you an insurance discount for having ~0.2% shrinking instead of 1.4% shrinkage with the same deal that you can be kicked out with no recourse. Insurance actually would give you that 'appeal' -- lower risk groups have the chance of insuring their shrinkage for next to nothing.

All stores are basically charging you an insurance rate it's just under the current system it's baked in with the assumption you're as equally likely to be a thief as anyone else.