The obvious thing to me is that a bigger part of the problem is how much effort and time it takes to get a human with authority to change the decision to look at it in many cases. If it’s even possible at all.

If one could phone an agent as easy as one could phone a sales rep, the problem would be way smaller.

If each service/account termination was signed off by a human with the authority to cancel that decision, things could improve a lot. If they’re concerned about DDoS, they could optionally require the same human involvement for account opening.