I’m fairly certain that it is not worth their efforts to cancel those accounts, evidenced by the fact that they either don’t do it, or the number of customers it affects is so vanishingly small that neither of us are aware of the practice.

If you believe so strongly that it is worthwhile for them to do this, then perhaps you have an idea for a lucrative career.

But as long as credit card fraud in the US is measured in billions, I’m going to guess that any manpower which can be assigned there is way more lucrative than any manpower assigned to demonizing their honest customers.