When that happens, I get a text message from my bank and all I have to do is reply "yes" to confirm the transaction was valid and re-enable the card. Even if yo

When that happens, I get a text message from my bank and all I have to do is reply "yes" to confirm the transaction was valid and re-enable the card. Even if your bank doesn't offer that convenience, the worst case is you call then and they fix it. This is in no way similar to the account lockout behavior being discussed in the Google context, where Google is making irreversible decisions that you have little to no input or insight into.