Seems more than fair to me if I understand correctly. If you're not accepting money, you don't get to keep it but they give you a buffer of 90 days (which they

Seems more than fair to me if I understand correctly. If you're not accepting money, you don't get to keep it but they give you a buffer of 90 days (which they didn't have to) and if the buffer is exceeded it goes back to the user wallet.