> These are two unrelated problems. One is "payment systems use imperfect heuristics in their own operations to fulfil their regulatory obligations."

No, they are not. You have people reliant on this software infrastructure for very basic aspects of their life such using their own money to buying whatever they feel like buying, and you have people being deprived of their rights because operators of said infrastructure actively prevent and deny their rights to do so. This has nothing to do with heuristics, and everything to do with granting people the power to dictate what you may or may not do with the things you own.