I am new to the game, and have run into this playing with my wife. We only ever send money to each other’s accounts, or use the BLT, and Gem Market, but somehow I am flagged.
If you want loyalty in your customer base, stop treating the new people like second class citizens. Perhaps start with something that might be a little more work on your end, but has less effect on the innocent gamers caught on this end, which given the existence of this thread there are many. I suggest allowing new players to only send to those on their friend’s list, and keep a datamined log of who is friends with who and when those relationships start and stop. See one person befriending and unfriending at high speed, and you know who to banhammer. It is a LOT better than arbitrially smacking anyone who might do high value transfers with an effective “Cease and Desist” especially when they haven’t done anything wrong.