By using a service you also chose to support it.

This is how one should make the choices.

You are going to have false positives in fraud detection. You are going to have to investigate those or pay in reputation. Fail to fight fraud may also cost rep.

When you run out of reputation people should take their business elsewhere.

It's how we are suppose to keep people honest.

> By using a service you also chose to support it. > This is how one should make the choices.

Well yeah, but there're not the only choices. The full opportunity cost is finding and paying and learning alternatives when you have decades of vendor lock-in to overcome. Maybe "keeping people honest" is a bigger ask than you think while you're busy meeting all kinds of other requirements which take priority.