The idea is that this can be extended naturally to may situations. Warranty claims, insurance claims...

If you just add a fine with a threshold it is actually much harder to pick the right fine amount. This way it has some sort of degree of scaling naturally. A small delay is less costly to you than a long delay rather than being all-or-nothing.

I agree that for simple things like unsubscribing a button can be mandated, but for other causes of calls to customer support it isn't that simple.