A proper understanding of black hole complementarity as a response to the information loss paradox requires recognizing the essential role played by arguments for the applicability and limitations of effective semiclassical theories. I argue that this perspective sheds important light on the arguments advanced by Susskind, Thorlacius, and Uglum—although ultimately I argue that their position is unsatisfactory. I also consider the argument offered by 't Hooft for the breakdown of microcausality around black holes, and conclude that it relies on a mistaken treatment of measurement collapse. There is, however, a legitimate argumentative role for black hole complementarity, exemplified by the position of Kiem, Verlinde, and Verlinde, that calls for a more subtle analysis of the limitations facing our effective theories.