The other thing is that they typically ban you for life, which is harsher even than our legal system. As a society we’ve agreed that it’s possible to pay your debt to society, but private companies have no obligation to see things that way. It’s like we’ve taken rules to deal with trolls in an old school Counter Strike server and tried to extend them to something that resembles a corporatocracy. It’s a lot different and more meaningful to get banned from service provided by a monopolistic company compared to getting banned from your local bar, for example, when you can just go across town to the other one.