One thing I believe Microsoft gets right is that suspensions are isolated to the service whose TOS was violated. I.e. violating the hotmail TOS doesn't suspend you from their other services. I think this makes the impact of a false positive less catastrophic, while still removing actual problematic users from the service. This may be an artifact of how teams work together at Microsoft.
It's largely what made Facebook's forcing usage of their account for Oculus users so ass-backwards.
It may be an artifact of Microsoft actually being regulated for monopolistic practices.
I worked there for more than a decade. The settlement changed behavior - you thought about how to avoid future trust-like behavior.