This is my takeaway as well. Also, why not just return "all charges as invalid" if the user has been Hellbanned? What use is there to continue the charade, by

This is my takeaway as well. Also, why not just return "all charges as invalid" if the user has been Hellbanned? What use is there to continue the charade, by in effect, providing false-positives to someone that will then go and act on that information and commit larger fraud? (by charging larger amounts with the stolen card). I understand the sentiment -- just a little fuzzy on the execution IMO.