> If Cloudflare is at 99.95% then the world suffers

if the world suffers, those doing the "suffering" needs to push that complaint/cost back up the chain - to the website operator, which would push the complaint/cost up to cloudflare.

The fact that nobody did - or just verbally complained without action - is evidence that they didn't really suffer.

In the mean time, BofA saved cost in making their site 99.95% uptime themselves (presumably cloudflare does it cheaper than they could individually). So the entire system became more efficient as a result.