Wow. I hope you never end up in an argument with your bank (or mortgage holder or employer or anyone else) who abuses their superior knowledge of legal minutia that they forced on you.
It’s one thing to say “I’m raising a risk.” It’s another to blame the victim.
That's literally why I'm a member of a Trade Union - so that I have legal representation check my employment contracts before signing them. And why I have a lawyer check the paperwork when I buy a house.
These services should publicise their name dispute policies more openly. But, ultimately, they can enforce their private property rights on the usernames they control.
You should perhaps teach a class in responsibility deflection. It's very impressive how you are able to do something that, while perhaps inline with T&C, is indisputably a dick move - and turn around and blame everyone else! Just own up to it dude. The companies have bad policies, and you were a bit of a dick, them's the breaks.
It’s one thing to say “I’m raising a risk.” It’s another to blame the victim.