Shouldn't we have the right to know or be able to check how secure our data and identity is on these services?
> you do not
I don't think this answers the question. Of course unsolicited pen testing is already illegal; that's not an interesting question imo. What I'm more curious about is security industry opinions about whether or not the current law is a good idea.
Are there any changes you would make to the law if you had the ability to do so, or do you see a more general danger in allowing customers to attack their own accounts?
It's not a crime that is routinely prosecuted (at least not in the US; there are horror stories from the UK). But that doesn't mean it's safe to build a business around that activity.
(To be clear: I'm saying this about general security testing, not taking over someone's account who's paid you to do so. That's not criminal, just sort of unethical.)