This victim blaming has to stop. These companies shouldn't be able to just shut down an account like this, especially for something so critical and core to a business survival. We shouldn't have to live in a world where you need multiple backups for every service you use in case one decides to fuck you over for no good reason!
Not to agree with the grandparent comment, but we do live in exactly that world. Even as a private citizen I deliberately carry more than one kind of payment card.
I guess the response to this is, "it depends." Like I agree with you on an some level, but really it depends on what kind of SLA you have with the vendor. If you are not paying for one, you really are not owed an explanation, and you should be multi vendored on that function to prevent outages.
