Is a credit card still a credit card if they detect suspicious purchase patterns and suspend it? Is a rating system still a rating system if it detects cancel

Is a credit card still a credit card if they detect suspicious purchase patterns and suspend it? Is a rating system still a rating system if it detects cancel culture and ignores ratings? Is a broker still a broker if they follow SEC guidelines for limiting consumers who haven't filled out the experience questionnaire? How about if they are a discount broker and don't even have additional service for those who are qualified to trade options, etc? Really what we are seeing is more and more populist diatribe against the normal systems we have had for decades. Sure, some things will actually be improvable, but what is improvable and what is just the average expertise of a mob that responds with emotions being extremely low?