Google has set up a service that is usable/payable by their own rules.
This is something we (U.S.) take as verboten as a private business. They can discriminate on any reason except as dictated as against governance(race/age/religion/etc).
If you've been detected by google as "fraudulent" by google, then there is zero recourse for you. Goodbye to your google account.
If the U.S. government is not going to do anything about this (it has not shown any interest in this type of problem) then YOU need to be proactive. Be ready to change services to the private businesses that you interact with AND/OR speak with your representatives of your government.