> cross-hair of the authorities (even if they happen to have a legitimate reason, which more often than not, they don't) your money can cease to be yours in the

> cross-hair of the authorities (even if they happen to have a legitimate reason, which more often than not, they don't) your money can cease to be yours in the blink of an eye, leaving you with absolutely no means to defend yourself. It's worse than that. Fintech can freeze your money at their sole discretion. It's a puzzle to get the money unfrozen. My guess is that banks will be next, although they seem to do better now. But this practice is protected by the law.