Is this person a lawful agent of a legitimate government? Is the ice cream policy reasonably connected to some compelling government interest, like public health?
I don't think that's a fair reading. At most, the piece describes a common political rant, and then says "Phrased that way, it sounds almost fantastically unjust. And… it’s complicated."
Your comment, in contrast, strikes me as being much closer to a reflexive political rant than the essay.
The article does acknowledge the existence of real fraud. It distinguishes it from honest errors. It goes on to point out that sometimes institutions (financial and state) sometimes fail to adequately distinguish the two.
Maybe it could have included more on bona fide fraud. But it doesn't contain an assumption that true check fraud is non existent. And it certainly doesn't devolve into any sort of rant.
That's not true. As far as the law is concerned, users/providers are shielded so long as they don't take part in authorship. You be as despotic or biased as you want, and you're still not considered the publisher of content provided by another user/provider.
Further to that, the idea that "if you take moderation far enough you become a publisher" is the situation prior to §230, that §230 was enacted in order to get rid of (so that there would no longer be a disincentive for intermediaries to choose to moderate!).