Comment by roenxi
The company is valuing the relationship at <$3. In practice there can be no "relationship" with an entity that wilfully steals $3; even in the commercial sense. It is strictly transactional and they're signalling that on any transaction they're willing to cheat you.
You can keep using them if you want. But history has no meaning when dealing with that sort of company.
Keeping an account in good standing, able to continue to purchase services, qualifies as a relationship here.
You can't view transactions in isolation because of the ban possibility.
Yes they're willing to cheat me. But I can limit that and I don't have many choices.