Banks have a well established situation for this. When my debit card purchased a whole boatload (literally) of shoes in China, my card and account was frozen.

Banks have a well established situation for this. When my debit card purchased a whole boatload (literally) of shoes in China, my card and account was frozen. But guess what, I was still a customer of the bank. I had all the resources I'd normally have: customer support. From there, they shipped me a new card. I was still unable to buy groceries for a day or two, but I never lost access to my money.