Your arguments are no more substantive or backed by hard facts than mine. I could quote a multitude of benefits of not stepping in to regulate such markets just as you quote a case (actually, one rare case that made the headlines) of someone whose user account was affected by clearly not-the-most-innocent circumstances. So who's to win? That's why there are courts and policymakers. Glad it's not just up to your (or my) hypothetical victims.