1. Is it ethical to ask for KYC docs at withdrawal? Please don't point me to ToS. If you need KYC to stop AML, why don't you make it mandatory at deposit itself? If you don't need KYC for small amount, but need it for large ones, why not provide a clear warning on Stake wallet, that beyond X amount here, whether through deposit or winning, KYC will be required?
It's probably illegal for a casino to discuss the exact values that trigger their AML procedures.
I do agree that KYC should be done up front and if a casino does not want to take a user's action for any reason, the bet should be refunded and allowed to be withdrawn. That said, I believe Stake is saying that they've had real losses from the match fixing action by this particular user and is holding the balance to recoup some of their losses. That seems reasonable.
If Stake has it wrong, Baskin198 should start arbitration. See
https://stake.com/policies/terms#17._Arbitration.
2. A match can be fixed. But, without police investigation, an user's involvement in it can't be proven beyond doubt. So, why not have a clear policy that if Stake is informed about a match fixing, all winning and losses will be refunded to individual users? Holding an user's winning as hostage, because of an event that can never be linked with him beyond doubt, is probably not ethical. Also, if Stake is informed, that the matches were fixed, along with freezing Baskin198's fund, will you refund the money to individuals who lost in those matches? If yes, will you publicly announce that refund, so that users can actually confirm the refund in this forum?
You make a good point here. Casinos do seem to like to double dip with these unusual situations, keeping losses and refusing to pay out wins. I don't see any indication that this happened at Stake for these particular events. If someone could show evidence that they placed a losing bet that was not refunded on any of the events that Stake is saying were fixed, then maybe Stake would deserve some criticism. I think that they should codify how fixed matches will be handled in their terms of service to avoid any future confusion.