Yes, I agree with you. Many cases are not clear cut. I rather lose funds and blame myself than lose it due to unfairness.
They do have or had a court of some sort and a governance system. Here are the details of the constitution,
https://www.eoscorearbitration.io/home/governance/
But I believe they changed it to this user agreement two months ago,
https://github.com/EOS-Mainnet/governance/blob/master/eosio.system/eosio.system-clause-constitution-rc.md
Here is an example of an old case and it's ruling under the previous version of the constitution,
https://www.eoscorearbitration.io/wp-content/uploads/2018/12/ECAF-Ruling-Case-0027-2018-12-14-AR-002.pdf