how does bitcoin help in cases like this? Terms and conditions like this exists almost everywhere. They can change or terminate the Terms of service anytime they want. They are not bound to keep it the same nor are they forced to inform their users when the terms and conditions changes (but almost all platforms do notify their users out of goodwill). If a platform doesn't like you they can give you the "boot" if they want. Lets say you want to buy something from a crypto store. You make a deposit or make the payment. The online crypto store doesn't like you and bans your account as per their ToS. You lose your coins. Bitcoin couldn't protect you from events like this. Plan to do a p2p transaction then? You send the money, the person doesn't like you, he scams you. You can't do anything about that.
This was only a miss interpretation. They cant ban someone just because they do not like the person and what is their basis on why they do not like that person? Because, their profile picture is ugly? No, but they will only ban you once you have done something that are against their rules. Let us not be paranoid because we are going to be just fine as long as you are following their basic rules and your not doing shady thingsOP compares btc to paypal because btc has no central authority while paypal was owned by a team or a group of people and they can do whatever they want with your funds but the situation still depends and you already explained that in more elaborated manner.
