That's what happens when you entirely rely on one platform as your source of income, be it Freelancer, YouTube, Amazon, or anything else. You become de facto employed by the platform and can be let go in a similar way you can be fired from a regular job.

If OP had a normal salaried job and was let go for whatever reason, would it matter if he used to be a good employee before, or had a car accident, or was short on cash? No, I wouldn't matter; his employer would not keep paying him on the basis of "being fair" or "helping in a difficult life situation".

While I understand OP's frustration, his story is really nothing out of ordinary. I know many people who were, fairly or not, let go and subsequently got into financial trouble. Life's tough.