Maliciously freezing accounts is a result of bad regulation. Overbearing regulation that on one hand encourage companies to be extremely risk-averse and prone t

Maliciously freezing accounts is a result of bad regulation. Overbearing regulation that on one hand encourage companies to be extremely risk-averse and prone to many false positives, and on the other hand not enough consumer-focused regulation that would allow consumers recourse in case things go wrong (false positive or outright malicious theft of funds). Both can be resolved without blockchain.