I keep wondering why we as consumers allow this? I'm US based, and my bank closed one of my accounts and "held" my money due to suspected fraud when I deposited

I keep wondering why we as consumers allow this? I'm US based, and my bank closed one of my accounts and "held" my money due to suspected fraud when I deposited a good check. It took 2 months and a complaint to CFPB to get my funds released. Before contacting CFPB, I was on numerous phone calls and made multiple trips to the local branch to get the funds released and it appeared that I would never get it back because one part of the bank does not communicate with the other. I had submitted all the documentation the risk department asked for but claimed they never received, and the local branches assured me it was sent, but could not give me a tracking number or reference number. After contacting CFPB the issue was magically resolved without any additional documents, apparently the documents were never lost based on their response. When I asked how this is legal, they said I agreed to it when I opened the account, which is basically what every bank does. So in a nutshell, nothing is yours even the money you worked hard for.