Earlier quoted context omitted.
The problem is the creepy big-data-advert-ocracy might propagate that scarlet-letter in ways that are unfair an unpredictable. So a throwaway account for reading Reddit (even as it decays) might lead to an totally unrelated account you do care about getting unfairly suspended, or the MonopolyCloudFlareBot "helping" your bank starts rejecting your IP/browser-fingerprint, etc. This would worry me less if we had laws th…
Go to your bank branch and say I can't access my bank account.
Anywho, you're right that the final example is more-likely to be resolved, thanks to a formal customer relationship backed up by decades of law plus physical locations... but what about Reddit, Facebook, Amazon, Google, etc. where they sometimes don't even have any remotely responsive support system or nearby physical branch?
Basically I'm saying we have some Kafkaesque stuff out there, it isn't sensible or fair, and if someone wants to tweak the nose of the beast they should at least consider the range of what could go wrong.