> is mildly disrespectful
From their perspective (at least in this case), it's just business. Using one currency to buy gift cards in India's currency is a huge red flag in and of itself. Scammers exist everywhere, surely, but I don't know of many other countries where it's common news to see an entire office building full of scammers working telephones and computers with remote desktop sessions open on "client" computers to extort money from unsuspecting people (often using gift cards on services like Google Pay or Amazon as the vehicle.)
It's truly terrible that we live in a world where access to those services is almost a necessity for modern living, and that those services are more or less available depending on your region. It's also truly terrible that those office buildings exist. I assume the OP is on the right side of all of this, and is truly a victim of it, but it's hard for me to distinguish if I have more empathy for the innocent casualties of the war on scammers in India, or the innocent casualties of scammers in the rest of the world. Because without a basically divine way of determining guilt automatically, at least one of those groups is going to continue being slammed in the victim seat.
I'd hope that if victims of these anti-fraud algorithms in India were so prevalent, that the Indian government would do more to prevent these bad faith businesses from sprouting up in the first place. It would seem to me like that would benefit literally the entire world. Easier said than done, I'm sure. Probably even talking about an entire government reform for that effort.