What could be the repercussions for a bit of law that says "If you hold customer money in an account, you cannot simply close and freeze the account without a c

What could be the repercussions for a bit of law that says "If you hold customer money in an account, you cannot simply close and freeze the account without a certain set of procedures and an appeal process that looks like x"? A bank can't do it. A stock trading brokerage can't do it. There are even laws to protect you from a company deciding suddenly that your gift card money is all theirs. (These laws are newish -- they can charge a small maintenance fee after x mos, but THE MONEY IS YOURS.) There's no reason why Google or PayPal should get away with more theft than Macy's Gift Cards department.