It's not as cut-and-dry as it seems. Noone leaves 1.3M in an account. When your account starts generating income, they place a 'light hold' on the account - req

It's not as cut-and-dry as it seems. Noone leaves 1.3M in an account. When your account starts generating income, they place a 'light hold' on the account - requesting 'reasonable' information. During this time, you can still receive funds, and you're promised quick resolution. You provide the documentation. They drag their feet. They request more information. They drag their feet. All the while, your account has accumulated more funds that you can't access. Then, they'll request something impossible, ie: give us proof of delivery (not shipment) of these 500 orders. Inevitably, there'll be one order that was returned / was delivered without signature / etc. You'll try to reship the customer, but you've got a 3 day deadline. You miss the deadline, and the account gets perma-frozen for 180 days, but you still believe you'll get your funds back. 180 days later, you'll be notified that your funds aren't eligible for return, because you cost them the equivalent of what was in your account due to the time invested by their legal and risk teams - because buried in their T&C they evoke Common Law allowing for punitive damages for T&C transgressions. It's calculated extortion to seize as much money as possible.