A bank freezing your account to protect you, because they think someone hijacked your account, is different than a bank that thinks you're a bad person and the bank wants to find out every single account you have and punish you.

Many people have experienced financial protections, but few have experienced an adversarial bank, and I imagine that would scare a lot of people.

It sounds like to me Google does both things. Google does things which are comparable to customer fraud protection, and Google also does things which maximally asserts its positions in a punitive manner, at which point, is it time for lawyers and media PR battles?