I'm guessing the answer is simply money. It's less expensive to deal with people like this this than it probably was to prevent it. Right now, they seem to run very sparsely, so ramp that up (if it's every 3 hours and they want to change to 5 minutes that's like a 6000% increase) and they're probably paying more than it costs to employ people to return credits or fears of people leaving.

It sucks, but that's unfortunately the world we live in until something changes.

The US could rely on an agency like the CFPB to prevent this, but that was gutted under the current admin.