> The laws against that are very strict, incentivizing companies to overshoot and block false positives.

On that note[1] is a good read (Cmd+F: "suspicious activity report"), although this specific case is about gift cards, but the AML/T&S etc. space is remarkably similar.

[1] https://www.bitsaboutmoney.com/archive/debanking-and-debunki...