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-7 points

So i don’t think they are, but they literally kinda are.

They literally, are not. But if that’s what you want to believe i cannot stop you.

And yes it is their right. Just like other services have the right to cancel your account if you are in breach with their policies.

E.g. issuing chargebacks, several months later just because you regret your purchase.

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-6 points

Yes… and if you try to issue a chargeback for a transaction you simply regret. That is you engadging in fradulent behavior. And the company have every right to ban your account for trying to defraud them.

Keep up…

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