Everyone thinks their system is reasonable, that's the whole problem. Banks obviously don't think chargeback fraud is fraud when they perform fraudulent chargebacks. They think they're reasonably legit, which is why they perform them. Retailers also think their fraud prevention systems are reasonable. Reasonable means different things to different people and it certainly doesn't mean infallible.

Nobody in any of these situations thinks they are being unreasonable.

> Everyone thinks their system is reasonable

Okay? I didn't say they get to choose. Was the implication of "shouldn't be able" not clear enough? You'd have externally imposed rules.

And in this case google hasn't expressed that they think the process was reasonable, they're just refusing to do anything.