More often, it's punishing good actors before the fact. High risk transactions are blocked until approval. Possibly stolen credit cards are flagged. If someone

More often, it's punishing good actors before the fact. High risk transactions are blocked until approval. Possibly stolen credit cards are flagged. If someone wanted to transfer lots of little money to one account, that account would likely be frozen. This also screws over event management companies, but such is the law of finance. I'm not sure what it's like in places like the US and Singapore, but where corruption and crime is high, the bureaucracy is tighter. Companies that have certain licenses need to set aside a lot of money, they're already rich. I mean if someone really wanted to be evil, they could leak credit cards, but there's contingencies like 2FA, and weird transactions get blocked. If an airline wanted to be evil, it's a lot harder to stop them.