I am not concerned when companies change their policies based on financial decisions. That's where we see things differently. I don't consider taking stores up on their generous policies(easy returns, double coupons, price matching, loss leader sales) as abuse as long as you follow their rules. If they are losing money and want to change their policies I can choose to shop elsewhere.
This makes the most sense to me!
You may not see it as abuse, which is fine. But if the company feels you are abusing policy, they have a right to ban you. If enough people do it, they will change their policy - which will hurt other shoppers. My husband was corporate management in retail for several years. What you don't see as abuse, the management of those companies do. Don't kid yourself that when you "take stores up on these offers" that they are seeing you as a "valuable customer." Customers who steal the bait (to use your lure analogy), but don't get caught are not valuable, they just steal your bait. The ones that are really valueable don't need the bait. The ones that are marginally valuable take the bait, and swallow the hook.